I have a 450 one bedroom apt that I rent and I created an eat-in kitchen by cutting out the top portion of a wall that divided the kitchen from the dining room to the living room and put a bar top on the remaining stem wall.  

The loan is 9.9% for 20 years and even at that length, it is eating up all of the properties cashflow.Yes, I shopped around but the other 2 places I called were not able to send someone out to give me a quote at convenient times.

People lose it all, run on the banks and start eating one another. 

But the fees on a $100k property start to eat into the cash out.  

Make sure you check to see if there’s a rent fee on top of your mortgage payment because that would eat up your cash flow if not turn it into negative cash flow.

Leaders Eat Last by Simon Sinek  -  great in depth book on developing your leadership skills

He argued it'll be paid down quicker, but I argue that I can just make extra payments on the principle if I want that and I won't need to worry about a commercial loan eating my cash flow either because it's my option as to whether I want to pay extra or not.

You don’t want a budget firm that will cut corners, but you also need to keep in mind that the management expenses eat away at your earnings.

It sucks to eat that cost but its tiny compared to what you paid for the place. 

Living in DFW prior myself I can tell you those taxes are gonna eat your cash flow for breakfast.