If its a 40k machine, then maybe you're saving the rental money in three years which isn't bad. 

I would suggest finding an experienced investor and doing one to three projects with them so that you learn and come out profitable.2.

Regardless of how you find them, try to interview at least three managers1.

Total rent between the three is $3200/month.I have an adjustable 20 year mortgage with a balance of $100,000~ at 4.95% that is set to adjust in 2026.I also have a HELOC on that property at $180K~ with a 9.75% rate.

@Justin MoyHey Justin,When we were syndicating deals back in 2018-19, our three syndications were all 506B.

In DSCR loans, a 5-year prepayment penalty (PPP) is common but not universal.You can typically negotiate this with lenders, especially if you're concerned about refinancing within three years.

Three are VA loans. 

For example, I’m doing three side by side duplexes and it’s costing me $135 psf, but I had to spend an extra $10k per foundation because of bad soil, and the smaller the property the higher the cost psfI’m working on a 28 unit with elevator, demo required, green roof, and it’ll cost me around the same psf as the duplexes.I’m doing three side by side triplexes which are full renovations, basement digout, all new facades, and that’s costing me about $106 psf for construction Non of these numbers include architecture, geotech, MEPS, environmental, utility plan, or finance costs

How big are most rentals compared to the size of your houses.Two and three years ago people were flush with covid cash. 

Take a step back and ask yourself why you purchased the first three single family homes in your portfolio and ask that same question each time you are considering making a purchase.