My end goal is to have financial freedom in 10 years or less by bringing in $10k/month.

I've already had to turn multiple people away after running their credit reports, so I can already see that it's not going to be financially feasible for me to be covering the fees myself.

. $300k loan needs to show $15k liquid assets, and draws typically require you to pay contractors and obtain a lien release before you can be reimbursed for the money you paid contractor.While I know there are a lot of people who use low money down loans to get started, it is risky.  

On the other hand, investing in some repairs (if financially feasible) might significantly increase the property's market value.Remember, each property is unique, and what works for one might not work for another.

A property manager can be a great asset for regular check-ins and updates.

When that’s not enough they go after personal assets, if your rental is in your personal name it’s targeted.

And IMO that has been decades in the making.I saw a recent survey of 4000 Gen Z and they said thay would need to earn 270k to feel financially successful.

Most lenders sell their loans out.Nobody wants a loan where the asset is underwater every month.The real question is, why is a property worth over $1M only producing $4,000/mo.You should consider raising rents as this seems significantly below market.

My first question is why did a cash flowing asset lose it's cash flow?

If you want to explore MF or any other asset class, the best course is to go to some training courses and get a coach or mentor.