Some people don't have financial situation, nor have the bookkeeping to track or maintain it.Again, I personally find it very stressful just thinking about living that way for the life of the loan keeping the lowest daily balance possible. 

I worry about you putting too much of your life into one investment given you're limitations on income/working situation anyway.In general expensive primary residences do not make the best rental properties. 

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

Other examples include Habitat for Humanity, local veterans organizations, etc.

And it's convenient for life if you use your personal bank account, you can still have one app for rentals and paying friends.-  Con's:  Nothing about the software per say, but about the landlord experience. 

The payback period is around 30 years, but the solar panels life is about 20 yrs.

If the software is not simplifying your life or making you more accurate, you shouldn't use it.

Though, the HVAC has reached its life expectancy per inspection report - It was recommended that it gets serviced and clean.

Read books like Set for Life by @Scott Trench and Start with Strategy by @Dave Meyer to get the mindset of starting on the table before going too deep into an asset class or something like flipping.

It’s one regret that sticks out the most of my life is losing out on the portfolio I would have if I hadn’t originally quit.