If your fee is significantly higher, it might be worth having a conversation with your new cleaner about their rates.Consider adding the extra cleaning cost to the cleaning fee or at least a portion of it, then monitor how it impacts your bookings.

And it can change each year.I literally just had a tenant's portion go from ~40% to 100%... that means they completely lost voucher coverage and are on the hook for their entire rent.People don't seem to understand that S8 rents are not guaranteed.

If you don't have enough to buy with cash and will get a mortgage, I would focus on finding a good-value home with a solid CAP rate and Cash-on-Cash return that will appreciate and fit the most common rental size house in your area. 

Even if the rates went up, you should only have to pay the higher rate for the portion of the year that it is at that rate.A google search shows there is a calculator. 

@JayHinrichs, you are correct that there are above 8000 members in Subto and with that some sort of dilutive nature based on the sheer size and interactions.

Counted all units and sizes in each town and looked up population. 

For those of us starting out, and looking at lower end real estate, saving for expenses will eat up a good portion of that monthly cash flow until we get a nest egg to hold, or until you (I'm in the same boat) get into more expensive/valuable properties.

I just feel like the equity portion is a nice asset to have and not have to use all that cash.

This is the portion of your payments that is applied to reducing the principle on the loan versus paid to the lender in interest.

The vast majority of states also leverage figures on a federal return as a starting point to define taxable income, making adjustments to those figures to arrive at the portions of income that are taxable for state tax purposes.