See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

It is not that self storage is a bad industry right now it is the skipper running the cre. a great manager can make a poor location produce!

This property would be used as a mid-term rental, so all utilities and services would essentially be baked into the monthly cost.Thoughts?

The biggest challenge is getting owners to understand this as few actually follow any industry data.One of the risks this will cause is lowering of screening thresholds to fill vacancies. 

Verify demand with travel‑nurse portals and corporate housing comps, then price all‑in with furnishings, utilities, cleaning, and PM.

Atlanta's a strong commercial real estate market with diverse asset classes and continued growth, especially around industrial, multifamily, and mixed-use developments.Your background in EV charging could actually be an edge, especially as sustainability and infrastructure play a growing role in CRE.

— I prefer RUBS because it:— encourages tenants to conserve water and report leaks quickly,— adjusts automatically when utility rates change, and— keeps my base rent lower in online listings, which helps with marketing.If anyone has firsthand experience or can point me to an official Euclid or Cuyahoga County source on this, I’d really appreciate it.Thanks in advance!

Find people who own industrial storage, truck parking, or traditional self storage.

Purchase Price: $280,000Down Payment: $75,000 (~27%)Loan: 6.625% interest, 30-year fixedRents: $1,350 per side ($2,700 total, tenants pay utilities)Property Taxes (2023): $4,247/yearInsurance: $2,600/yearProperty Management: 10% of gross rentMaintenance + CapEx: 10% of gross rent (includes reserve for roof replacement in 5 years)Vacancy: 5%Annual Gross Rent: $32,400Total Operating Expenses: ≈ $13,600Net Operating Income (NOI): ≈ $18,800Cap Rate: ≈ 6.7%Annual Debt Service: ≈ $16,000Cash Flow (after all expenses): ≈ $2,800/year ($230/month)Debt Service Coverage Ratio (DSCR): ≈ 1.17Cash-on-Cash Return (Year 1): ≈ 3.7%Notes:Roof expected to need replacement within 5 years (budgeted $10–12K).Tenants pay all utilities,Rents appear market average.Located in a stable B-class neighborhood with consistent rental demand.Population growth slightly negative but a 20 minute drive from Cincinnati.  

Investment Info:

Industrial commercial investment investment.

Purchase price: $150,000

Cash invested: $150,000

Sale price: $300,000

did a lot of things I normally never would because of potential...