hi all i am a new landlord and got my first rental property. tenants moved in in September and October. the first month was fine but when December hit it got extremely cold and the heating is electric. due to poor insulation in the home that we did not know about the heat has to be turned very high up to keep the home warm, however since everything is electric it is causing the electric bill to be $800. the utilities are the tenants responsibility. however because of this one of the tenants has been extremely non compliant with paying rent.

Based on my calculations, even with a low down payment, I can achieve positive cash flow (with aggressive enough house hacking).

The vacation homes offered a low 10% down so that was helpful.

Getting a mother-in-low to co-sign is not the answer.

I finished all the degree requirements only to discover I was extremely burned out and had to complete another year of electives to satisfy a minimum number of credits at that university.

Low taxes, low crime, low homelessness, friendly people, all 4 seasons, etc!

Paid off real estate cash flows extremely well.

I certainly know that future years the expenses won't remain that low, but wouldn't that be a reality on a property that has a lot of recent improvements?  

Little background behind the door: It's a MDF cheap one you buy at HD or Lowes. 

You can have an increase in population and still have a low demand for rentals or a low enough demand that rental rates do not outpace T&I for awhile.