(have fun dialing in those 'weights' for your attributes :) )Goog was throwing me an error on the sheet sizes... not sure why, nothing should have went over 5 million cells.

It’s a weighted average, depending on each of the loan balances.  

With that said and depending on your experience level, a good realtor can be worth their weight in gold in terms of liability protection and experience.

If you can find a reputable property management company, that has extensive market knowledge, they will be worth their weight in gold.

Think about that time when you walked that extra mile despite feeling tired, won that trophy, hit your weight loss goal, hit that savings goal, etc.

The repair budget should solely be used for the monthly expenses related to upkeep and maintenance of the properties and the lot itself, ideally the roof is covered in your CapEx expenses which leads to my next point. 

What troubles me is that he did not seem to put any weight on the fact that we live in the home with this woman. 

After that it’s a weighted average as follows (.75% x 7.92%) = 5.94% + (.25 x    8.00%) = 2.00 (5.94% + 2.00%) = 7.94%. 

A good CPA is worth their weight in gold.

However, since none of us know your particular rental property or even what city you’re in, we can’t answer your question with any degree of accuracy.I’m assuming your property manager knows your property and local market though, so you’d have to give some weight to the advice they’re giving you.