The problem is everyone else is in the same mentality, therefore if rates drop more, then competition rises, and so do prices (think 2021 but not as intense). 

I have a real bad taste in my mouth when it comes to crab-like mentality. 

My psychotherapy group practice (Tennessee Mental Wellness: www.tnmentalwellness.com) rents this space from our rental property LLC.

Personally, I'm sick of the "what's in it for me" mentality.

I would love to learn more how to start from zero and buy properties with a long game mentality.  

Baldwin County is considered the "safer side of the bay" by many and a consistent population growth on that side of the bay backs up that mentality.

Most S8 tenants have a history of bad decisions and from all that, many have only learned how to game the system.We embrace S8 applicants, but screen them just like any other applicant.Many have an entitlement mentality and try to leverage their S8 voucher and pretend to be helpless:1) A percentage won't apply because they expect a landlord to waive application fees for them.2) Many cry broke and expect a landlord NOT to charge them a security deposit.3) Many of those same S8 tenants trying to avoid paying a security deposit, won't make an effort to call the list of nonprofits we send them that will pay their security deposit if they apply.4) A lot of them try to avoid paying for utilities.

I don't see that you lost any money in the deal so I would just start over and not waste mental energy on the colossal errors of this former agent and team.

It took us 3 months to remove an illegal mentally disturbed tenant from an apartment who was sub-letting from one of the tenants. 

Student debt usually come with a low interest rate, a rate you should should be able to beat with even a decent investment thereby making it more worthwhile to invest and just pay the minimum on your student loans.Of course, there's also a mental aspect to this.