I was wondering if anyone could steer me in the direction of the most user friendly and economical option. 

I pick immediate cash flow over anything else, simple rules of finance and economics, the theories are real, the science points in the TK direction. 

But the city of Niagara Falls as a whole is extremely economically depressed and has many boarded up houses, broken windows, vehicle theft, gang violence in this area.

Poor tenant quality will mean higher economic losses.

. #1 according to western invest magazine. http://www.westerninvestor.com/news/british-columbia/kamloops-coquitlam-head-list-of-top-towns-for-property-investors-1.2443954Join the Real Estate Network Training Society Facebook group for updated info on Kamloops, better than me posting thousands of pages of economic data here...Cheers!

I have taken a number of economics and finance classes and excelled in all of them.

The economics of the industry in its current form doesn't support the salaries needed for quality underwriting in the long term.  

How long has he been in business, what is the economic risk of his business.

I will keep looking for another contractor.If anyone has a good, economical painter in the DFW area that they don't mind sharing, please PM me.  

You probably already have a sense of your region and places that might be affordable but not to bad of economically.