If so, is that recommended for a first-time buyer?  

Based on the prices, now seems like it's probably a pretty good time to buy in Galveston. 

Thanks for your time!

It can get pretty expensive what would anyone suggest or should I write the lease so that the next tenant depending on time of year should I do not include a specific utility and adjust my rent because of it ? 

Yep, been doing it full time since 2018ish.

I would suggest starting with reading the IRC book all the way through multiple times.

i have my tenants switch out their air filters 4 times a year at least

Now, it's time to file a civil lawsuit as they committed a crime.

I'd love to connect with any of you so feel free to message me any time.

I'm finding it hard to believe that Xero doesn't have the ability to do this will all their custom reports stuff.In Xero I can't figure out how to get a view in a report how much the principal has paid down over the selected time period.