Second: writing off the full cost of a new car is badly overhyped.

Example I think an S&P index funds are a bad “risk adjusted” investment.  

They already have a track record (good or bad) with you, so you can decide based on payment history, inspections, etc.

Nearly most of the newbies, close to the 90 percentile took bad deals and either had it foreclosed on or lost tens of thousands of dollars.

I was advised it would be beneficial to have a reason for non-renewal in New Hampshire in the event that the tenant fights it.

classic scam.to the OP  google Ingrid Robinson /  American greed   / Remington financial she took those guys down and its worth watching how they work.. the foreigners are on to it.. so anything with even slightly bad English is a huge red flag and 100% fraud.this guy looks more Russian than Kiwi to me.. 

I built this budget template based on my research but am only seeing bad investment returns / don't really know what I'm doing and would appreciate any feedback you all have to offer.

Eamon,Any time you face a major issue with a bank/lender and they fail to refund your money or it costs you money and a lost deal due to ignorance or bad lending. 

If the tenant is belligerent it could go bad fast. 

Not a bad side hustle - spending a few hours mostly doing some laundry and cleaning up and paying yourself a few hundred a month to do it!