The townhome association charges a $100 fee annually under the name of the Tenant Administration Program (TAP), regardless of whether I have a new lease with new tenants or a renewed lease with the same tenants as the previous year.Who should be responsible for this fee: the landlord or the tenants?

I'd suggest digging into the exact dollar amounts on a monthly and annual basis rather that measuring by rate percentages.

We lived in it for a year, remodeled both units and put in place a long-term tenant on one unit and a mid-term tenant on the other.Here's a little more details about this deal:*   Purchase price: $163k*   Financed price: $132k @ 7.625% APR*   After repair (estimated value): $225k*   Gross rents: $2150 ($750 one year lease & $1400 six month lease)*  Annual taxes and insurance: $7000*  Approx credit score: 650 (I used interest free credit card to pay for remodeling this property and maxing it out caused my score drop almost 50 pts!) 

We try to an annual inspection in our rented units.

Mortgage was paid off ten years ago and I cash flowed about $15K annually just the last 10.

The Annual Allowable Rent Increase effective August 1, 2024 - July 31, 2025 is based on the lesser of 4% or the change in the Consumer Price Index (CPI) for the Los Angeles-Long Beach-Anaheim metropolitan area.

It is a nightmare evicting deadbeat tenants, so when they are out I will only go back to AirBnb, short term rentals in the future as Vermont has laws very favorable to annual leasing tenants.

My guess is you will need to invest some money to pass inspection regardless and the hassle of annual inspections major.

I know there is an annual fee and there may be additional fees.

I’m considering cashing out my 401(k) and IRA funds to invest in more real estate and would appreciate any advice or insights on whether this idea is viable.Current Financial Situation:Significant savings in 401(k) and IRA accounts.Additional funds in a taxable brokerage account.Age: 40, with a relatively high effective tax rate.Limited emergency fund.Existing Duplex:Mortgage with a 75% LTV ratio and a high interest rate.Modest annual cash flow.Withdrawal Scenarios:Scenario 1: Withdraw everything today at age 40, resulting in a 35% loss to penalties and taxes.Scenario 2: Withdraw at age 60 with growth scenarios ranging from 1.3x to 2.3x the initial balance.Proposed Real Estate Investment:Purchase two additional duplexes with a 75% LTV and 6.635% interest rate on a 30-year term.Projected outcomes include appreciation, cash flow growth, loan amortization, and tax benefits.Comparison of Real Estate vs.