When you look at cash flow modeling, borrowing much more than that causes it to be tough to get a positive cash flow.

This bodes well for long-term equity growth.Rising Rents: The uptick in rental prices shows a strong demand for rental properties and could lead to better cash flow for investors.Economic Strength: Reading has a diverse economy, with key sectors like manufacturing, healthcare, and education providing stability.Rental Demand: Low vacancy rates signal that people are actively renting in the area, which is essential for scalability.Future Development: Any upcoming infrastructure projects or new businesses could further boost the market.With these positive trends, it seems like Reading could be a scalable rental market.

Need to keep that cash moving!

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

They changed the zoning map to make every side street RS-3 so these developers are just taking 2-4 units in non-conforming status and by right making it a SFH. 

I look at cash flow, purchase price and prospects of appreciation.

Negotiating a better interest rate on your refinance would reduce your monthly mortgage payments, helping boost cash flow.

• Payment Structure: • What is your payment schedule?

It seems like they are being unprofessional and do not want to.The issue is that depreciation schedules are not given to the IRS when you submit the return.4562 which is used to calculate depreciation is given to the IRS but it does not factor in non-depreciable items such as land. 

I'll say that again: capex often exceeds cash flow over time.