It is only for the period of time that you need to acquire the regular commercial loan and pay back the HML, what are usual terms and rates for HML?

My regular pest guy didnt do termites, few in our area do. 

You can if you want, but if this loan is from a well known, licensed, reputable lender, then its similar to getting regular mortgage.

And they'd be able to use the additional depreciation to write off regular income and save about 5k on their taxes.So what is the real return on their 95k investment. 

I am not in Military so my knowledge of Va is limited based off how long you have to live there, if you can refinance into regular loan later on once you have some equity etc.

But a clogged toilet that's because of regular wear-tear over the years?

I had 125% inputted for Repairs and maintenance, 75% for Vacancy and 125% for Capital Expenditures 😅 just switched them all to regular percentages and it's now showing negative $1,030 cash flow with $3,530/mo expenses.

I enjoy managing my own rentals and like being able to regularly visit my properties.

This is one of the reasons it is regularly recommended.

My agent helped a lot when I was just a regular buyer but could hardly grasp the concepts or details/numbers in investing.