But that extra $7200/year will go a long way in paying down your loan faster, build up another downpayment fund, pay off other debt, etc. 

My goal is to hold these long term. 

They’ll often have insights into the market and can help you find properties that align with your goals.

@Shawn Tuma & @Chris KayVery difficult in today's market to cashflow putting 0% down:(5-10 years ago it was possible, but prices have increased faster than rents.Your best bet is to find a property that needs work, but will still pass a VA appraisal/inspection. 

Our goal is to keep your maintenance costs low to keep your return on investment high. 

Ultimately, it’s about finding an arrangement that aligns with your goals without compromising your ability to discover the best deals.

Your detailed approach is key to finding opportunities aligned with your goals while navigating regulatory hurdles effectively.This post does not create a CPA-Client relationship.

One piece of advice I often repeat is that the goal of diversification is to reduce or eliminate any single point of failure.  

Market rents have been going up a lot faster than 3%.

However, my hold up is what market to look at that will help me meet my goals.