HML eats up so much profit; that's the only thing I don't like

You probably won't like it but, hey, you can't always have your cake and eat it too.

However, everyone's gotta eat, so we'll be giving restaurant gift cards as a "thank you".Do y'all have any plans?

We also have pretty high property tax bills (around 2% of the purchase price/property value) that eat into a lot of the rental income. 

When they do, they are typically covered by insurance and settled outside of court.The odds of a landlord being sued for a large enough amount that it eats up their insurance, the equity in the investment, and their personal assets is almost non-existent.

Because it sounds to me like you want to have your cake and eat it too.

I’d recommend steering away from condos due to high HOA fees, which can eat into returns.

We added two firepits, multiple lounge areas, barbeque and eating area, stargazing chairs, yoga mats, games, large screen TV for movie nights, music and more.

Personally I think there are good loans out there but people look for the "perfect" loan that fits their buy box and meets a desired return - which the return is going to be based on risk.So for many you cannot have your cake and eat it too. thoughts?

A guy named Ken on my job would eat lunch with me and tell me everything he knew.