Do the numbers make sense with each and all interest rates? 

When you consider that I only work about 4 hours a week, that breaks down to an hourly rate of just over $1,500 per hour.

It’s not necessarily more difficult than market-rate rentals, just different.If you’re seriously considering this route, feel free to reach out.

We put it on the market at $3M but never got the offers we wanted, it was during the holidays and when rates were skyrocketing.

$40,000 x 25%(assuming a 25% interest rate on credit cards) = $10,000This is more than the annual cash-flow that you are getting from the rental.I would look at a way to paying off the credit card debt asap.Look to see if you can take a HELOC on the investment property(likely difficult).If you can't you may want to consider selling the proprety.You will also feel a lot of relief of not having credit card debt hanging over you.What is the interest rate on the car loan?

I’ve had concerns about the crime rates so I’m trying to only buy in the better sides of town.

And it's very pertinent to today's environment because it doesn't look like interest rates will be coming down much, if at all this year.

On a daily basis I get questions from investors/property owners about the rental rate for their rental property.

For the most part, due to interest rates, breaking the 1% cap rate still won't provide positive return after expenses.

Cheap housing only reduces the cost of other cheap housing.