It still cash flows after paying all bills and reserves.

If you are concerned about doing things perfectly legal just find a lawyer that can help you confirm it, and restructure if needed. 

Dealing with insurance and repairs is secondary to the wellbeing of your tenants and neighbors.Once you've confirmed everyone's safety, it's important to document everything thoroughly.

Depending on the property type and terms this can be justifiable but usually reserved for those with ample experience and higher risk tolerance. - Higher and Hard Deposits.

While they do not cash flow as much as they once did I’m still getting enough for my reserves and solid cash flow each month.

Hello,I'm doing research into how the federal funds rate affects mortgage rates. I've seen that typically, 30 year fixed mortgages rates will be roughly the federal funds rate +2% (give or take factoring in other econ...

It is much better to add a reserve fund to it monthly.

I confirmed with customer support that they no longer offer the annual subscription for new properties. 

You don't know how the process works so I don't know why you think you would be getting offers accepted without a pre-approval or proof of funds.You get a pre-approval with a lender you know and every time you make an offer, you just have them adjust and confirm the date and the new property address.

You should have a minimum of $15k in reserves for repairs.Your challenge is 1. finding a place at your price point (you might want to branch out to Bayonne, Union City, West New York) and 2. finding a vacant place or one with renters paying market rent.