Hi everyone,I own a 12-unit apartment building in Euclid, Ohio (fully master-metered for water/sewer).

If they are on a third party payment plan for water they are probably going under economically. 

What are other investors in the area paying annually per unit in insurance (approx range) and water + sewer + trash?

Thus, no waterholes to trap water. 

Not a downturn, but a correction that’s separating well-priced, well-presented homes from those chasing yesterday’s prices.Here’s what’s happening and what it means for both sides of the table.Overall Market SnapshotMedian Sales Price: $314,000 (down just 0.2% year over year)Sales Volume: Up 2.7% from Q3 2024Days on Market: 44 days, up 46.7% from last yearList-to-Sale Ratio (S/OLP): 97.1%, down 0.9 pointsSeller Concessions: Paid in 58.6% of transactions (up 1.1%)Months of Supply: 3.9 months, still a solid seller’s market below $750KIn plain terms, homes are still selling, but buyers are taking their time and overpricing is punishing sellers more severely than it did a year ago.For Sellers: Pricing Precision Matters More Than EverAbout 59% of homes were overpriced when they hit the market this quarter, and 46% of sales required a price reduction before selling.That mistake cost sellers an average of 7.1% off their original list price and added more than three extra months on the market3Q 25 Greater Huntsville Quarte…3Q 25 Greater Huntsville Quarte…Top 2 Takeaways for Sellers:Price it right the first time.Sellers who listed competitively from day one achieved 100% of their asking price in just 11 days.

Don’t overthink it or waste anyobody’s time, just cut to the chase and ask plainly if the seller is open to any offers using seller financing/ seller carry (I wouldn’t use “creative financing” as that is usually interpreted as BS).

They can offset other rental income and even carry forward, but they won’t wipe out your W2 paycheck unless you qualify as a RE professional.In plain English:STRs: possible to use bonus depreciation against all income if you materially participate.MTRs/LTRs: you still get bonus depreciation, but it stays in the “rental bucket” unless you’ve got RE pro status.If you’ve got a good CPA, they can run the numbers to see if a cost seg on your MTR makes sense this year.

I keep going back and forth if I should keep it plain as usual, or take a risk.

My current neighborhoods that I've been searching have been mostly Somerville, Jamaica Plain, Dorchester, Everett, Quincy.

After every big storm on Long Island, I see the same issue—homes that look dry but aren’t. A recent case showed 78% indoor humidity and wall studs at 25% moisture content. Six days of controlled drying (dehumidifiers ...