This is literally damaged our standard of living, and is flat out embarrassing.

Yes, you loose some market gains, but bonds have been flat.  

They will let you know flat out what you can do to help them.

Of course tenants can lose their job and unexpected life events happen even we we did our job right.Property management fees vary from low flat fee to 10%.  

What about flat rate brokers, and running the profits through an LLC or S-corp.

Many subs can pretty much do almost everything you might need done and will work for a flat rate.

Our agent was able to hook us up with a FHA Grant loan broker, in which the government just flat out gives you the 3.5% down payment.

Also list the property for a flat fee and you could save 3% of the selling commissions. 

I have contacts in my investing group who are connected to manufacturers of modular homes - not "manufactured" (trailers), modular: homes are stick-built in pieces in a factory, the pieces are shipped to the home site on flat bed trucks and assembled onto the foundation.

His numbers are flat out impressive - wish I had the margin he does.