Acts of nature and negligence are what stand between the foundation of your investment(a habitable living space) and your cash flow(RENT!)

Hungarian Village might be considered 'C', but is negligible in distance to downtown/German Village from 'B' Merion Village or Southern Orchards; it's also one of the next areas to rise considerably in value.Yes, there are clear areas with lowest incomes, values, most crime, poorest transit, etc. - beyond that, there is a lot of opportunity even in areas that many would write off.

So, when analyzing cash flow I don’t accept the often negligible amount listed for repairs and maintenance.  

The increase in my electric bill is negligible and I only stop at gas stations to grab a snack now.

It has basically never happened and you would need to show gross negligence.

There have been some vacancies off and on, as well as some minor repairs, but no issues that I was not fully prepared for (having done fairly extensive research on what to expect from real estate investing in general), and none that were due to any negligence or poor service on the part of OCF.

Just know insurance will not cover you in all cases (fraud, negligence, mold) and for whatever amounts.