This lady came on here to ask some questions not have you pass judgement on her family life.Scott Trench had a blog post recently that over their life time, college grads still out earn those with a high school diploma. 

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

I personally just bought buy hold and did not do much value add my first 7 years investing.https://www.biggerpockets.com/member-blogs/7810/90789-the-co...

Life is too short to just throw negative comments out on a blog. 

Low cost of entry like you're looking for, investor-friendly, and tons of MTR/LTR opportunities for out-of-state investors. https://ark7.com/blog/learn/cities/best-places-to-invest-in-...

Always have modest amount of insurance but do not over insure as you merely put a target on your back and assure you get named first on any future lawsuit against your or your business.

You might want to check out this article: https://www.biggerpockets.com/blog/tenant-screening-reports

Many landlords opt for modest rent decreases or propose multi-year leases with slight increases over the extended term to provide stability for both parties.

Yes - the Multifamily DSCR Loan option is a strong option here - not sure if you've seen this BiggerPockets article on Multifamily DSCR (versus traditional MF loans) but sharing here in case it helps - https://www.biggerpockets.com/blog/multifamily-dscr-loansIs the property now fully leased out?

I have no idea what source you are quoting, but it appears to be some sort of blog or other writing that is not from the HAP Agreement or the HUD website.