Rent would be ~1,400 to 1,800 / month which is above market rate but housing is in very high demand and price is in line with what seniors who live on their own would be willing to pay based on my conversations with local Real Estate Agents. 

A tough thing we've found though (like you mentioned) is even the highly rated foundation folks in our area -- as well as a lot of the content online -- all have a strong incentive to sell big high-margin solutions.

Strong property management and careful tenant placement also play a critical role in success here, so I recommend partnering with a turnkey company or an agent who specializes in these areas to make the process smoother.As for rental demand, homes that sit for extended periods are often the result of issues like pricing, condition, or tenant quality—not necessarily a reflection of the market as a whole.

If expenses are high relative to income, the cash on cash increases when the down payment increases (16k column).

I am pulling in between $500 to $1,000 from mine each month even at a high interest rate with about 25% down for each. 

By the time I got to that point the cost and time involvement was so high I decided it was a distraction to what was already working.  

Quote from @Jarrod Ochsenbein: Hit a new high and month is still going. :)  How do you run the numbers on a PadSplit property?

It is so high that it has become very difficult to find any property where it will have cash flow.Have you gotten insurance quotes?

Any words of wisdom from fellow investors would be highly appreciated.

High risk since most fail, but big rewards.