If its negative cash flowing NOW and you don't have a ton of reserves to cover yourself long term for the HOPE/GAMBLE of the appreciation play, then its time to sell, cut your losses and move on

GF = girlfriend And even if that was not the case your advice about who gets what is not accurate in many jurisdictions.

It’s usually not that accurate but that number will work for that question. 

Also you do need to include something for maintenance and repairs if you want to accurately plan. 

I’m getting some replies from contractors saying costs per sqft range from $200-$300... compared to what I leaned from other states, that’s a huge difference... so, I know costs for everything in the Bay Area are higher than any other place, but I’d like know if that’s accurate...Thanks

It may be accurate to say that I don't yet understand how to properly utilize the equity I've built in my properties, but I plan to learn.

He called the listing agent and Trulia was accurate.

For one property, I’d probably just use Excel and be sure you keep receipts of everything.At the end of the year, our need an accurate accounting of expenses and income - and that’s pretty easy to track as long as you keep your receipts.

I am really not too sure that I calculated closing costs or repair costs accurately.

Some times it can work and the gamble pays off, unfortunately it usually does not.The numbers starting out look good enough to try you only lacked the experience to succeed.My advice would be to stay away from real estate.