If you can't do that, adding a band of accent siding that to help balance out the weird window placement.

Depending on the size of the loan you can easily shave off 10-20 years from the balance while still cash flowing more with a new property.

When I gandered at a $400,000+ mortgage balance, I first assumed it was a subject-to deal.

Don't always look at what the bank account balance is, look at the books to see how much was allocated in the reserve.3-6 months reserves are usually for regular maintenance or not full-on big ticket items. 

Do property management companies usually have high portfolio minimum balances and upkeep expenses for properties?

There are calculators online but make sure you are familiar because I get a lot of people call me because their loan officer failed to run the numbers and they are getting ready to lose a deal or earnest money.If you want to go FHA you can always put more down but I would take a look at Fannie Mae as well for High Balance areas.  

And with wages not going up as quickly as inflation, what I see is people carrying balances on credit cards and not being able to spend money on things they used to be able to spend money on.  

If you purchase the property using your own name with a conventional loan mortgage, then transfer it to a LLC, it may trigger the due-on-sale clause, taking the risk that the lender will ask you to pay the loan balance back immediately.We can only choose one of it, not both of it.

Other expenses that I've incurred are 2 1/2 months worth of credit monitoring through Score Sense at $40 per bill and a 23% APR personal loan of $2,800 to absorb a balance that I already owe on another credit card which was at a 0% introductory APR for another 6 months so now I have toxic debt thanks to their underwriters.

I have the balance sheet to acquire financing, and I have access to a lot of capital.. so I partner with great operators on the residential side, where they bring the deal, handle project management, & act as boots-on-the-ground, while I bring the money & can offer mentorship/guidance.