God forbid something happens and I either can't get rid of a tenant or can't find one, I would barely even be able to afford the mortgage

Those places were awful and barely habitable, but it is what S8 prospects are being offered.

I'm only barely a millionaire.

The only real advantage to using an FHA loan is to offer only 3.5% down payment, which in my opinion is barely justified as an advantage. 

To be real - If I didnt have the reserves I would've likely painted and done bare min to get it re rented until I saved up for next vacancy

Only 100k for all your work barely sounds worth it, with all respect. 

And $5,000 poorer.Over the course of our relationship, we barely used 10 hours of their time, including the onboarding, the meetings and email communication.

Lately, the Northeast can be all over the place..one year you barely touch the shovel, the next year you’re drowning in snowdrifts.With four units, the liabilty is no joke.

Ok, then there "benefits" get cut to that bare bones "survival" minimum.

.: We just this week bought a 6 unit building in a top notch suburban school system for $615,000 with gross rents of $4615, but to make the deal cashflow (barely), had to raise the gross monthly rents to $6570 on 4/1.