We pay about $1700 for mortgage, insurance, utilities ect.  

Otherwise, they will trash the property, not pay their portion of rent or utilities, and then move on to the next property.

And yeah I am not opposed to the 80% ltv, just figured get the most I can possible to utilize it as best possible with cash reserves left over.

In my estimation (local utility costs vary as well as temperature) it is about $400 per month on average. 

However, as a primary, it depends on the property and how you utilize it. 

Despite the communist landlord laws you have good appreciation and rent growth.Check out the FB group Twin Cities Real Estate Investing if you want to connect with more locals there too cash flow is easy if you have the right team and knowledge, I can get as many as I want in my market, all with double digit net caps, All the best 

Meanwhile these same service providers don't explain the legal process which ties into how the insurance coverage truly works let alone explain how to utilize additional insured status, indemnification clauses amongst many other tools at your disposal  because that is not a profitable business for these service providers to be in.

The days of double digit annual appreciation and cash flowing single family homes wont be coming back ....

You will not find a lender who will go below $75,000 on an individual asset if your property appraises for anything less than let’s say 96,000, you’re going to have to utilize what is called a blanket loan.

You can also search online for tips/tricks on how to automate certain tasks and utilize the full features offered by QB.