Quote from @John Mason: Other opinion :)  https://www.biggerpockets.com/forums/12/topics/1196948-negat... 

Maybe it's so high because the DSCR is negative on paper?

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

I also want to payoff the property to reduce my debt liability and make it easier for my family to deal with should anything ever happen to me.Are there any negatives to paying off the SBA-HEDCO property loan now?

Would love to know if anyone has had positive or negative experiences with turbotenant?

I'm not THAT person that posts negative reviews.

But I know Chicago winters too well, and the last thing I want is to calculate cash flow and returns on summer rent to have it turn negative come January.

Just remember: most negative reviews are written by problematic tenants.

@Fernando GuzmanFor Property 1, the $1,000 monthly negative cash flow could limit your growth, despite the tax benefits.