The tenant hasn’t been the greatest: late payment with not always paying late fees, multiple complaints from the neighbors, changing phone numbers, ect .

Put in your down payment and terms  in the calculator. 

Just curious - what sort of down payment do you usually require of US citizens? 

Did you have an agreement in writing signed by both you and the designer regarding payment schedule and purchases?

I've been able to afford my payments so far without much issue.

Quote from @John Davey: Id appreciate any help, as ex. if i take out say 100k home equity loan and use 50k each as down payments/cloing costs my understanding is i cant deduct the interest?

Everything I see for the northern VA area and beyond market is just so unattainable; it seems like unless you have a down payment, that is way way way more than 20 percent, there is no way to get any positive cash flow.

-Allocate a portion of your funds toward extra payments on the current mortgage while also setting aside money for a new investment.

With $100K in cash, you could leverage this option to make a larger down payment and keep monthly costs manageable.Maximize Rental Income:Are there ways to increase rents on your current properties?

But, for instance, I sent them a notice of rent increase effective February 1 and needed them to confirm that they have accepted the new payment terms through our electronic payment system, and even after repeated notices, they are not responding.