If I need more money for a major capital expense than the funds coming available can provide I can withdraw funds from the other certificates and lose 3 months of interest - which is still better than what I would be getting in an interest bearing MMA.

The US has been in process for some time now of the scale flipping from majority ownership too majority tenancy.

Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.Tenant Default: 0-5% probability of eviction or early lease termination.Section 8: Class A rents are too high and won’t be approved.Vacancies: 5-10%, depending on market conditions.Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Class B Properties:Tenant Pool: Majority of FICO scores 620-680, some blemishes, no convictions/evictions in last 5 years.Tenant Default: 5-10% probability of eviction or early lease termination.Vacancies: 10-15%, depending on market conditions.Cashflow vs Appreciation: Typically, 1-3 years for positive cashflow, balanced amounts of relative rent & value appreciation.Section 8: Class B rents are usually too high for the Section 8 program.Class C Properties:Tenant Pool: Majority of FICO scores 560-620, many blemishes, but should have no convictions/evictions in last 3 years.

Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.Tenant Default: 0-5% probability of eviction or early lease termination.Section 8: Class A rents are too high and won’t be approved.Vacancies: 5-10%, depending on market conditions.Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Class B Properties:Tenant Pool: Majority of FICO scores 620-680, some blemishes, no convictions/evictions in last 5 years.Tenant Default: 5-10% probability of eviction or early lease termination.Vacancies: 10-15%, depending on market conditions.Cashflow vs Appreciation: Typically, 1-3 years for positive cashflow, balanced amounts of relative rent & value appreciation.Section 8: Class B rents are usually too high for the Section 8 program.Class C Properties:Tenant Pool: Majority of FICO scores 560-620, many blemishes, but should have no convictions/evictions in last 3 years.

Quote from @Patrick O'Sullivan: This is such a great reminder, Alan.Routine walkthroughs not only help catch maintenance issues early but also show tenants that the landlord is proactive and cares about the condition of the home, which often leads to better care from the tenant as well.Something as simple as a slow leak under a kitchen sink, if unnoticed, can lead to major repairs like replacing cabinets or subflooring.

The key is picking a location close to hospitals or major employers, since that drives consistent bookings.

I have 800 credit score and no other major loans.  

Similar to my first property, I waived the inspection, and the seller’s disclosure did not report any major issues.

If you buy a property all cash, you’ll maximize cash flow—but most investors use financing, which means interest rates and down payment size will directly affect returns.Cash flow can quickly turn negative with major repairs or long vacancies.

And most, are not borrowing from banks, but lending from major life Insurance Co's.