It has taken some fine-tuning of my profile but for me and my market, the leads have been an incredible source of revenue, especially since 2020.

There are far too many regulations, the transaction is a much longer process, and we are talking about someone's biggest purchase.

And finally regarding the interest, yes doing these 10 yrs-loan the biggest goal was save some money from the interest.

Can anyone recommend sources for contact information for property owners?

I occasionally get requests to manage commercial and love to have a referral source. 

Another nice bonus of using this as a funding source is no closing costs, big help on the front end.Obviously, if all goes relatively well, the plan would be to hold these properties as rentals and refi at some point down the road when rates on mortgages drops back down a bit, whenever that may be.

Here's one of the biggest bangs for your buck to learn this: Read The Millionaire Real Estate Investor by Gary Keller and Jay Papasan.

But letting minor issues slide was my biggest mistake.

I understand, to clarify the cash flow is not my only source of funds to purchase future deals as I am able to save a large portion of my W-2 income as well and the cash flow from the property is a very small percentage comparably.  

But in that case, you can't fix what is broken.I've not even seen a great source for knowing exactly what the competition charges.