Let me know if that is clear enough or if you have any more questions!

Second of all, you're a great writer this was so clear and informative.

Although RTR does not have control over management issues, it is clear that Zach cares about his clients and will do what he can to help.

There is no short cut. 

Quote from @Sushil Iyer: We have a SFH and a duplex that we own free and clear, and a duplex on which we have a residential mortgage.

There’s just something about owning a duplex or triplex that makes the numbers more forgiving...you’ve got multiple units covering your expenses, and if one tenant’s late on rent, at least the others might keep the ship afloat.A friend of mine once worked with a client who snagged a triplex down in Austin and ended up treating me to breakfast tacos after those first rent checks cleared.

Landlords in illinois for sfh rentals don't provide snow removal or lawn cutting so thats not an issue.   

It's never worth it to cut corners on permitting because it will cost you far more in the long run.

Thanks for clearing that up.

So many LOs were preaching mortgage rate cuts, this time around, and now I am seeing rates still the same, if not even slightly higher than what they were a few months ago.