Quote from @Patricia Steiner: @Owen RosenNo...here's why it is 'additionally insured:"  "An additional insured is anyone who enjoys the benefits of the insurance policy that is not the primary policyholder.

Tenants are all market rate.  5 year leases.  3 are NNN and 2 are NN. 

I enjoyed following the thread.

For example, the turnover rate on Realtors is like 88% a year or something like that.

Look to ask the seller about financing back whatever they want for their equity but make sure the mortgage rate and payment are at a place where you will be able to cash flow effectively.

As rates have gone up we tightened my sold comps.

Just for fun my bookkeeper makes $50/hour which is 2.5X what the going rate for other jobs is in my area.

Rental rates are fine for SFHs - I haven't had to drop my rates whatsoever with turnover, nor have I had a single tenant try to negotiate a lower rate. 

1st step is to make sure that the electricity is rated for having electric heat by the electric company.

$40,000 x 25%(assuming a 25% interest rate on credit cards) = $10,000This is more than the annual cash-flow that you are getting from the rental.I would look at a way to paying off the credit card debt asap.Look to see if you can take a HELOC on the investment property(likely difficult).If you can't you may want to consider selling the proprety.You will also feel a lot of relief of not having credit card debt hanging over you.What is the interest rate on the car loan?