I can absolutely understand how these experiences have drained the joy out of owning rental properties.

I've found options in Costa Rica, but rates are in the 10% range.Does anyone have any experience or guidance on obtaining a mortgage equivalent to purchasing a 2nd home in the US?

Most agents paying for leads are inexperienced, which is why they need to pay for leads.Look for an agent with a minimum of 15 years of active experience.

When I ask for clarification, I only get vague responses.I’d really like to hear if others have gone through similar experiences with AppFolio.

In most cases, I don't recommend renting out your primary residence especially if you have no rental experience and that is because usually your primary residence was bought without the idea of renting it out.  

If there were ever a time to shop multiple carriers and even multiple agents (if necessary), that time is now. 

Within my 20 years of experience, Theodore, it's great to see proactive agents like yourself getting out there!

My piece of advice would be to make sure you have a great agent in your corner to help you assess the market, make informed decisions, etc. having a good agent can be day & nights difference when it comes to your experience.

I have used Nomad for the last 3 years with a rental property and have not had a great experience.

Working with a property manager will give you a lot of hands-on experience in the day-to-day of managing properties.