I get lock change requests from tenants all the time... lost keys, gave sister/bestie/ex-boyfriend, whomever a key and they didn't give it back.

My repairs and cap ex in the next 5-10 years should be minimal. 

Ex: using a contractor that a friend had excellent experience with.

Loan amount $110,400Gross rent: $1350 including $675 from a tenant and $675 from me. minus Mortgage $841 PITI Repairs $100 ($50 per unit)Cap Ex $100 ($50 per unit)Vacancy $65 (roughly 5% of the rent)_______________________________________$1106 in expenses $1350 - $1106 = $244 cash flow

Hi, I am in the beginning of my real estate investing journey and am working on getting my ducks in a row (doing all the research I can before I begin).I am wondering what the downsides using a personal loan for the BRRRR strategy (ex: I could get a $50,000 personal loan at 8.25% for 5 years; the monthly payment would be ~$1,000 a month and if paid off within 12 months the total interest would be ~$2,200 - about 4.5% interest).

But she has her ex-husband as her cosigner who lives in a different state, makes over 100k a year and owns a house assessed at 350K. 

And "ex-cops" are the most paranoid of the paranoid. : )DL  @Brian Burke , ask me how I know.  

I set aside 8% per month for vacancy in addition to 5% cap-ex, 5% maintenance, 10% PM (which they take directly), etc.  

A year ago me and my ex girlfriend purchased a house.

For an expensive market like Boston you as are probably over estimating repair and cap ex costs.