Currently, I am looking for a property below $250k and here are the metrics I am using to evaluate if the property will give me cash returns:IDEAL HOME (I believe these are the ideal metrics, please correct me if I should adjust my filters): Listing Price: ≤ $250K Property Market Value: ≤ 80%Property's Price Value Appreciation Rate: ≥ 3% (I read articles and gathered other data to find trending markets.

This equals your adjusted cost basis. 

Increasing number of powerful storms with climate change. 

The amount of capital needed to being to the table for closing has adjusted based on some last minute changed and information  brought forth. 

I guess if you're in Miami and it's done that way, I'm feeling like Colorado will be OK, since the climate is much drier here. 

Depending on how your command climate is you might want to give them a heads up but only you can determine that one.Be transparent with them and don't force them into anything they don't want as you'll be seeing these people around quite often, at least for a bit.

@Jeffrey Burke Long  All of my commercial mortgage loans that adjust with prime will decrease. 

I have not read the terms of your HELOC, you should, it has your answers.Generally after ten years the balance is transferred into a 5,10, 15, 20 or 30 year loan with an adjustable interest rate that is fairly high. 

When I asked about it he said there was a "insurance policy" like feature where if the rate goes down greater than a quarter point it will adjust the loan.

Completely leased up that will result in a $3800.00 per month positive adjustment through proper management and turned units without counting the additional rent of $1700.00 per month from the attic space.