The house's exterior is constructed of brick material with a flat tile roof.

If the numbers aren't there yet, I'd suggest focus on growing your income, look into house hacking as previously suggested, or consider partnering with other investors who can qualify for the loans.

That means that you can buy a house on the South side -- identical to one on the North side and in its doppleganger (save race) neighborhood -- for literally a $100,000 less than you can on the North side.

Tenant chose to stay in house during repairs citing Renters insurance declined coverage.

On the 15th year, the investor and I will discuss together whether we want to sell the house OR continue receiving cash flow.

First two properties I house hacked, allowing me to put down very little.

Pros: the cabin will be able to house our entire family, easy process to refinance.

Do they do any of this in house? 

Without house hacking, your figures would look like this:$1850+1850 = $3700 - $1500 - $3200 = $-1000 net in your pocket (let's skip principal paydown and tax benefits for now).With house hacking, your figures would look like this:$1850+650+1500 = $4000 - $3200 = $800 net in your pocket. 

VRBO bookings have been down Airbnb bookings have been up, but it has its own problems like siding with a guest who trashed my house with unauthorized party , truly if I had the time I would try to get off these platforms and go direct to customer, easier said than done.