First, from your telling of the story, these tenants are trying for an unearned payday. 

I’m literally stretching my last dollar till next payday.

I got a nice payday when partners bought me out.I just wanted to focus on ( like you said on two basic business models that I enjoy far more than SFR middle America rentals).It will be intereting to see how your portfolio is doing at year 5.. that tends to be the year when you have full cycles on most.And I am thinking Omaha may not have some of the issues some of the other mid west cities have vis a vi tenant base crime etc.I worked with a company that did IRA set ups for a time. and their story was the same as yours with google. for years they were killing it then google changed pricing and what was a few grand a month was now 50 to 100k a month.

Had he done a minimum of work, this would have been a nice payday for him.My primary agent goes with me to a property and points out every subtle defect. 

I really think she's trying to set me up for something that gets her a big payday. 

Not a bad pay day if the place is rented for that if agreed lol.

It's because they are making a big payday when they sell to you, and then they take most of the profit in management fees, leaving you with all the risk.

Payday on that, if any, is 10 years away.

But if we want a big payday, we will need to do some or all Climate control for the large REITS to buy, which they would in this location. 

Banks don't have branches, Supermarkets don't have stores, payday lenders exploit the people.