That's pretty good in the scheme of things in the tenant world :-)

This business is not for everyone it is not a get-rich-quick scheme it takes time and money.

Correct, I never buy my own material, except when it's special like type of flooring model and colour. 

That is part of a common scheme or plan that is intended to keep the value and aesthetics of neighborhoods. 

She is a nice lady but I need to protect my families assets and I am fearful she will not be able to pay the rent or will try to pull some sort of scheme.

also used to be inflation over at least past 6 years for  main reason for continued disappointment in earning/investing so much yet it being so little in terms of what any scope of  building on a tiny lot or a few or even several actually mean in terms of 'wealth' in the grander scheme of thingsbut then i realized whats worse is the inflated assessments/taxation on said propertieswe are at a point where the assessed values we're being taxed is higher than what the properties are actually selling for in recent yearsso what's worse than inflation draining our wealth?

In the big scheme of things, your easiest entry is to buy a house for yourself with 3.5% down.  

Catholic Charities out of Newark New Jersey has some housing assistance available.Lastly, there are some 501C3 schemes that an accountant could possibly help you on.

Even turning $500k into $5m in 5 years is a stretch.Real estate investing is not a get rich quick scheme.

Interest rates are not as important in the grand scheme but it's literally free money.