Seeing someone with bad credit, messed up financial, no job, putting the debt on his parent's account to pay for this program and hope to achieve a dream that he's most likely not achieve, really breaks my heart! 

This is just the latest case study of how Government is incapable of improving housing affordability on its own.

Replacing countertops, though, is a capital improvement and usually has to be capitalized and depreciated over time.

You would think with a fixed rate loan the COC would improve over time but the other expenses are so large that the COC stays about the same year 2 to year 5.

That said, I think it’s impressive that you’re able to manage this with fewer accounts—hats off to you for making it work efficiently.For me, having accounts like income, operating expenses, marketing, and taxes gives each dollar a specific job.

You can reevaluate selling in a few years when interest rates improve and more buyers get into the market

Larger properties spread your risk.Be Ready for Some Sweat Equity: Many first-time house hackers underestimate this part, but putting in a little elbow grease can drastically improve your returns.

Around October, finished my MBA and told my seasonal job I was coming back this season, I was able to lock in. 4 days a week 3hrs a day resulted in a consistent 500 calls per week give or take.

You want to consider the quality of tenants you get and being in a central area means people can get to their jobs / school conveniently.

Quote from @Lorraine Hadden: What are some strategies you have used to improve or rebuild credit?