There was one month where an adjustment to 2017 Illinois taxes decreased my disbursement a bit. 

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

There are very few places where you can still get anywhere near the 1% rule, and in Omaha you really don't have to look that hard to find those opportunities in droves.Not to get too into the weeds, but I have a thesis that the Midwest as a whole will begin to outperform the coastal and southernmost cities as time goes on-- primarily driven by increasing COL & decreasing QOL in said coastal urban cities. 

I don’t want my wife to be on anything to decrease the amount of paperwork and such she needs to sign.

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

None of this never happened.For a company with a 12-year lending history, Norada Capital Management has only one $4,000,000 Reg D filing from 2020, which appears inadequate considering a 2012 start date and almost four years since the last filing.Santarelli also claims in the same YouTube video that Norada Capital Management has been making loans since 2012 with no default history, re-lending money received from investors and maintaining a perfect record over 12 years.

This is where a sale may benefit you long-term if you can find an investor to take it before the increased rate and pending rent decreases impact the value of the property further.

If we are analyzing a turnkey property, is it reasonable to decrease the repairs and capex to like 5% each?

Within each MSA there are pockets of increases and decreases, which are counter to the overall growth or decline.