I would disagree with number 2 - in this environment, heavy rate buydowns are a common tool in the toolkit for lenders and borrowers to make deals work and are in no way indicative of "not being well-capitalized"

This reminds me of my 8th grade class president trying to bribe people with longer study halls, a vending machine and soda fountain in the room and ice cream fridays.

Congratulations you are correlated and invested in a highly taxed asset class that went up recently.  

@Adam Hoeker If you decide to use Quickbooks my advice is to read “Quickbooks for Dummies” or if possible take a class to learn how to use it.

Learning Private Lending: In April 2019, I took a class on private lending that changed the game for me.

Each property should have its own Class. 

So, suck it up and pay the extra X or move to a lower " class" area where the FMR will be lower.

Additionally, it can help maximize renovations and improvements.20.83% of the total depreciable basis was classified as 5-year class life.

And you risk the boy friends and baby daddy's.. that's your risk.And of course kids are rough on houses I don't care what environment they are raised in.. 

Recommendations for career transition include speaking to agents, exploring brokerage firms, taking classes, and using resources like books, podcasts, online communities, and mentorship.Good luck!