@Luke H.Hi Luke,  As a private money lender myself I will focus on one element of your deal---5 years is a long time to be finally paid. 

Again, the BiggerPockets store has some books on this topic, or you can learn about it by watching podcasts, reading blogs, and interacting on the forum.

After a few additional email interactions that same day, your DoC stated "I do not have an answer for you.

It has appreciated greatly in the west ward and wanting to keep it but don't want the people interaction.

To replace your income you need to flip a lot of houses, I'd do the math with an average 10-15% profit margin, because you have to account for some turds.The other opportunity is to change your job and take out the element that you hate.

Again, the BiggerPockets store has some books on this topic, or you can learn about it by watching podcasts, reading blogs, and interacting on the forum.

Every customer is assigned to a group of team members there and I imagine each team varies slightly in quality given the human element!

Again, you market should dictate how you interact with tenants but generally speaking partial rent payments shouldn't be reasonable.

The RentRedi does not take the human interaction aspect out of your process or transaction, but it gives you that buffer, makes it easier, organized, consistent, repeatable and professional. 

To clarify, my focus isn’t on analyzing T-12s for purchasing a property but rather on developing a solid T-12 for managing my property effectively and for use when I eventually sell my investment property in the future.I want to ensure the T-12 I create is both accurate and straightforward, serving as a reliable tool for tracking performance over time and presenting the property’s financials to potential buyers down the road.If you have any advice on key elements to include or how to structure it for these purposes, I’d greatly appreciate your insights.