One of them had just returned from Europe. 

In return, we ensure the tenants treat the property as their own and respect the space they live in.

I think your income easily justifies a common-sense, time-proven method: increase earnings, reduce expenses, save, and invest.

I actually hired this tax company in the Fall of 2021 to do my 2021 return and continued using him for this year (2022 return).

It just makes life easier - they shop a variety of insurers and are more easily able to compare apples to apples because they know how the various companies present coverages.

That way I know with less equity upside upon renewal or backfilling the higher cash flow helps make up for some of that with the overall return.  

First, if you resell the note, most investors will want a 10%+ return.

At the time I looked, 20 or so years ago, the problem with smaller down towns is the proliferation of nearby strip malls, where the stores are surrounded by a large parking lots, and for laundromats, attract more customers as they can park easily, walk to adjacent stores for shopping, snacks, and browse newspaper and magazine racks, which explains why they do better, there's more customers.

So you will get your money one way or the other, either a borrower starts paying or you get their property in return.

Regarding your false statements our team is fully committed to setting realistic expectations with clients, including clear communication about furnishing budgets, timelines, and anticipated returns.