I'm surprised nobody, at least noone that I have read, has encountered this show stopper. 

In scenarios where occupancy falls below 80%, equating to approximately 2-3 months of vacancy, the likelihood of encountering negative carry increases significantly.

I've encountered that more frequently than not. 

The home is currently now worth about $525,000 due to the rapid appreciation we all encountered during the pandemic and we believe rent is pretty much capped for the area (class C area).

The next problem I’ve encountered is that  many of property managers may not even know the difference between a hammer and a Phillips screwdriver.

For example, agency lenders may have specific restrictions based on market preferences and require a minimum debt service coverage ratio (DSCR).Understanding these market-specific nuances is crucial to ensure your deal aligns with the lender's criteria.I've encountered solid deals that were hindered by financing constraints.

Since then, I've encountered several significant issues:1.

I have encountered such a situation and she is the best tenant paying always on time. 

You will encounter a lot of people, some good some bad.

I sincerely apologize that you are encountering this and I hope to get to the bottom of it quickly and thoroughly.