There are some well-informed, smart people that generally maintain the interests of their investors higher than personal interests, even if they aren't licensed broker-dealers and don't officially have a fiduciary duty to their clients. 

Because the Property Class dictates the Class of the tenant pool that the property will attract.The Tenant Class greatly impacts rental income stability and property maintenance/damage by tenants.Both Property Class and Tenant Class will affect what type of contractors, handymen and property management companies you should target and be willing to deal with a property.The Property Class will also impact the maintenance & renovations you do to,, “Maintain to the Neighborhood”.Why is that important?

Because the Property Class dictates the Class of the tenant pool that the property will attract.The Tenant Class greatly impacts rental income stability and property maintenance/damage by tenants.Both Property Class and Tenant Class will affect what type of contractors, handymen and property management companies you should target and be willing to deal with a property.The Property Class will also impact the maintenance & renovations you do to,, “Maintain to the Neighborhood”.Why is that important?

Right or wrong, there are plenty of banking relationships I maintain where I enter branches and they complete the transaction I request without confirming I am still the account holder because of the continuity of my transaction requests."

I understand that starting out, depending on how fast you want to build your portfolio, you could spend a lot of time at it.For those with established investment portfolios, how much time is required to maintain it?

In my experience, a high welfare rate in an area isn’t automatically a detriment it depends on how you structure your investment and manage your properties.Key considerations:Tenant screening & management: Even in areas with higher assistance rates, thorough screening and clear lease agreements can mitigate risks.Market dynamics: Areas with higher welfare numbers sometimes have more stable rental demand because tenants rely on assistance programs, which can reduce vacancy risk.Local laws & support: Understanding local landlord-tenant regulations, eviction rules, and available support programs is critical to protect your investment.Property type & location: Investing in well-maintained properties in desirable neighborhoods, even in high-welfare areas, can still yield strong returns.Ultimately, it’s about balancing risk and opportunity.

So, we asked our atty provide an addendum to our leases to cover more about renters insurance requirements and ramifications if not maintained. 

For rental real estate, expenses must generally meet the standard of being both ordinary (common and accepted in the rental business) and necessary (helpful and appropriate for operating or maintaining the property).

The gap between projected and actual cash flow has been frustrating.Additional context:13 units are less than 10 years old in A- to B+ areas.10 units are older but well-maintained in C-class neighborhoods.I see no significant difference in maintenance or turnover costs between these property types.This portfolio was meant to fund my early retirement, but the cash flow has proven inconsistent and unpredictable.

(SubTo is completely different than "Subject To".)Subject To, I have always maintained that you use Escrow, you use a Title Report and Insurance, you use a properly designed Purchase and Sale Agreement, you use Disclosures, you use a Notary, you use a Warranty Deed, you get Authorization in Writing to speak directly to the lender, you get a payoff, you get a reinstatement amount, you bring the loan current and you record.