After the first couple of months, tenants often stop paying their portion.

Regions with lower living costs, like Ohio or Alabama, often offer strong cash flow and better ROI than expensive coastal markets.3.

Even with a dozen properties I might need a plumber twice a year, an electrician once, and a handyman a few times  not often enough to be remembered or get priority service  They raise rents faster and higher than I ever would, this alone virtually pays their 8% management fee and $300 new tenant acquisition fee.

In contrast, legal advice tends to vary significantly; as you and I have both experienced, consulting different lawyers often results in disparate advice, unlike the consistency typically observed in medical consultations.Furthermore, the consistency in medical advice on fracture treatment is evident across various states, countries, and online resources, contrasting starkly with the highly variable nature of legal advice, which is influenced by diverse legal systems and jurisdictions.

ETF doesn't offer much advantage over mutual fund for retirement account in my opinion, as you don't want to trade often or cash out (unless for emergency).In general it's recommended to contribute 10-15% of income to retirement account.

_____________________________________________________________Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

Unless you have developed software or paid someone to do it people often do not understand the cost involved.

Is your rental C/D class where it can only attract a lower class more difficult kind of tenant to manage?

If you do refinance into a portfolio loan or DSCR loan that requires the property be held in an entity, you can often times change the property ownership at closing. 

Unfortunately we have discovered that the guests of a couple of tenants were not being upstanding citizens and got themselves in trouble with the law.