How much do they want you to to pay, to pay off one of the mortgages (or both of their existing mortgages)? 

Even the best property management companies (PMC) struggle with:- Finding reliable handyman and contractors (ServiceTechs)- Same with affordable ones- Tracking preventive maintenance- Tracking previous work for potential reoccurrence warranty coverage- Understanding tenant reported problems, so the correct ServiceTech can be dispatched- Determining if tenant is at fault for an issue & should be charged - and will proof stand up in court?

It’s a cleaner, more reliable solution, and while the higher subscription cost can feel like a drawback, it’ll save you a lot of headaches and time in the long run.

You will not get a large enough sample size to have reliable information.

Thanks so much  Hey how are you doing, I’m also looking for a reliable PM in Cincinnati.

(I mean Special Financing Company)...Since REI Hame Changers has chosen to associate themselves with such a s***** business, I would never touch them with a 10-ft pole...On Monday , January 6, 2025, I am going to open up a huge can of whup *** on these people...First I will file fraud charges at my bank to stop any further payments .Then I will personally drive to Missouri if I have to to get my money back.They ( REI and special financing company)will then be charged for everything to do with that trip-Plus I will sue them for the substantial lost wages because I have to deal with this-!!

If anyone has a good starter spreadsheet or knows of a reliable website for deal analysis, I’d greatly appreciate your recommendations!

And if I find a reliable agent and reliable property management company in one of those cities, then I'd start there.

The best way to see if someone is a reliably paying tenant is by their credit score. 

My 2 cents: You're young, you could get a real estate or real estate adjacent 9-5 so you can get paid to to learn more about real estate while learning and building the side hustle outside of business hours.Seems like you live in a major US market so that's a plus, you could get a tenant services coordinator job in commercial real estate making $40-60k (not sure if that's more or less than what you are making now) It's an Entry level role, anyone with a degree and a polished resume and a passion for real estate should have a decent shot at landing a job like this.