I've read on here a few times that the California Apartment Association is helpful.

This will look at your gross income /your gross fixed expenses (Taxes, Insurance, Mortgage, Association Fees).

Join the local Apartment Association as they are usually a great source of networking with other landlords and professionals in the area. 

They work on those big erections of steel you see at a petrochemical refinery and associated nitrogen fertilizer facility. 

I was nearly scammed by a seller in the US who I met in person, met his "associates", toured the property with and everything, but my tip off to do more research was that he was against using a third party to hold funds in escrow even when I said I would personally pay all associated fees and noted that it would not delay closing at all. 

The profit must justify the work associated with being an asset manager of the residential unit.  

Good point here in having zero cost associated with the loan.

But do you want to associate with that or not, only you can decide. 

I know how stressful it can be with those gaps in monthly income.I personally use the standard Chicago Association of Realtors lease...do you have a copy of this by chance? 

Over the years I picked business degrees, real estate license, tax preparation training, loan officer licensing and training, investment / CFP training and it is all tied together in one big connected body of knowledge that emphasizes appreciation, debt pay down, cash flow, and tax write-offs...