Just for more clarity, I will be living in this home for the first year or so then it will turn into a rental property.Purchase Price $200,000Association Fees $250/MonthProperty Taxes $3,700/year (will be reduced to around $3,100 after first year)Interest rate 3.75%As far as my mutual funds go they were basically low risk "SHORT-TERM BOND-C."

This would reduce your stress and increase your free time.

Is it possible to negotiate the liens, reduce, or eliminate this with the bank before closing?

That would mean an overall adjustment of 9.4 percent each year.But the new rate structure would greatly reduce this impact for Baltimore’s more modest water consumers.

Our AZ investor gets 10-20 higher price and then collects payments on the OBC- during which time he pays his mortgage (reducing the balance).  

If inside, I could do the internet option, but adding outside is ideal to reduce cost and have the property management company read the meter.Thank You,Erich

If I could do it over again, I might refinance into a fifteen year instead of a 30 year because it would have reduced interest even further although the payment would have gone up.  

Oversupply has reduced financial compensation levels and technology has eliminated the opportunities afforded most grads.Higher education is being used to avoid the realities of working for a living.

If you are a more active investor like @Sean Kuhn, you'll get a better return (around 15%) on a performing rental, but you also have the possibility of issues and costs reducing that return, but also appreciation, that could eventually double your return.  

Scenario 2:  I attempt to fix the house, but end up reducing the value because I'm an idiot.