You are LOSING money because you didn't even raise rents to cover those increases!

2 unit house 30 year FHA 6.6% major renovations (roof,bathrooms,kitchen,etc) home has appreciated 397k when appraised to 550k zestimate (similar comps in the area are 500k).

I suspect I will throw more money at a problem Airbnb has no interest in covering

It's an A-framed garage with shingles roof, gutters, windows, and a 32" exterior door (in addition to a 16' operating face door). 

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

If you have the means to cover debt, you can avoid the accounts being liquidated.   

For example, if you are buying in an area that is in are 1980s and above, you might run into a roof that is tile and the paper under the tile needs to be replaced the day you close.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

It's a 4 bedroom SFH for $325k, built in 1990 and it's got many upgrades including a 2024 roof.

For now, it Looks like your roommate/tenant can cover half of your mortgage (plus hoa fees).