Over 1 month with 124 Zillow potential tenant contacts, the property manager report showed no leads from Zillow and couldn't find tenants.

You could arrange payments with them (eg $1K a month for the next year with interest).

We send countless emails, and he answers us every 6/8 months saying he will work out a payment plan.

It's going to be around 6 months since I started looking, and still no property.

Up until then I was cheerleading the earlier thought experiments about supporting lean/regular/fat income with ~$1000 / month per paid off SFH, thinking “I could bang that out in 5 years”.

They claim to furnish properties for 2-3 times the usual monthly rent with the help of their "designer team" , but the actual costs are 5-7 times higher.

If you carry a balance month to month (only paying the minimum or minimum plus), paying twice monthly can save you some money in interest charges.2.

You have a personal issue- car engine blows up, so you tell your tenant that they need to pay double the rent for one month so that you can get your car fixed?

The least risk would be to use the extra 100k a year to buy bonds and then sell the bonds to pay the mortgage each month.

Then in 6 months refinance into a conventional loan and you can exit the property legally.