I have such fat fingers for such a small keypad.James 

The crap I have to deal with on the SFRs and that Duplex far outstrip any issues I have had with the HOAs (and one I would rate as a huge PITA that has to have a police detail at the annual meeting because the board is hated that much they fear for their safety).However I have this fat check I have to write out every month on them, even on the ones that are "Free and Clear" that DO cut into the cashflow.  

Don't bother the HR department unless they are signing the lease (fat chance of that happening).

Remember IRS does require you to keep receipts and invoices to make sure your not buying personal stuff along with your materials from Home Depot but you can just stuff those in a spot in your wallet and throw them in a shoe box at home when your wallet gets too fat, so you can go back and dig them out if your audited.

I have no tenants, I don't have property managers, I don't do repairs, I get principal pay down, I get depreciation, I get a fat option payment, I come and go as I please.

And why not, he gets fat fees for selling properties to pay off debts.She has to talk to her attorney, openly and honestly, if only to avoid criminal charges, but even still, the title company won't provide clear title on the transaction until the bankruptcy is closed or there is an approval by court order.

My goal is to buy and hold 10-15 properties to meet my regular/fat FI goals.

Just asking as a novice person reading this trading naked would be a risky bet.Since the volatility is so high, spreads are pretty fat right now,but don't know when it will drop to grab the premium ;)----For the other answers,  we are in an unchartered market.

In general, you have to realize the public perception of landlords are fat-cat wealthy capitalists. 

While everyone is looking out for the DOS in corners, the big fat elephant in the middle of the room is insurance.In the name of asset protection your title and hazard insurance is laying in the shade.