However, a few have had enough merit that it may have caused stress if it were not for the umbrella coverage (for example evicting a tenant with ESAs for lease violation of repeatedly introducing ESAs without following the process in the lease).  

That's a stressful spot and Cleveland escrow cases can drag if you don't push the process. 

Problem is there’s “creative” financing that DECREASES profitability (ROI) as well as creative financing that increases ROI.Many (most) creative financing deals consist of seller carryback financing.  

This is up to 2024 data, but when I add 2025, Calgary is following the red, Edmonton the green, but I expect Edmonton will level off or decrease in 2026.

This typically cannot occur without leverage.in most markets the only reasons to go unleveraged is 1) leverage causes you stress.  

We see land price decreasing from 2020.below are the projects we developed.

I'm told the smell frequency decreased to once a week after I poured water down the drain as a temporary measure 2 months ago and then after I finally got the water running in there again 2 weeks ago there hasn't been anything.So case closed, I hope.You'd think this would have been easily fixable months ago, but it wasn't.

Charlotte is competitive, and deals that look fine at a high level often break once you stress-test rents, expenses, and capex under conservative assumptions.Before jumping into partnerships, it’s usually worth being very clear on your buy box, target leverage, and tolerance for execution risk within the exchange timeline.

I’d underwrite vacancy and maintenance a bit more conservatively in those areas and stress-test what the property looks like if one unit sits vacant for a couple months. 

I don’t usually overly stress about credit ratings.