The real estate agent is showing a house to a young woman who wants to buy an income property.

Except for the icky shower stall in the tenant’s apartment, it’s looking good.

Then the agent points out the building’s deteriorating roof, which will cost at least $4,000 to replace.

Oh, and don’t forget that in addition to the mortgage, the buyer also will have to cover the taxes, the utilities and the stress of having a herd of college-student tenants downstairs, the agent says. Can she handle that?

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