If, a year from now, you have an extra $20k piled up because you have been serious about this, it established a bit of a track record and proves that you are a doer and not just a dreamer.I would also express gratitude that you have a partner that is so cautious.

The quotes were only a few hundred dollars extra annually.

Politely and clearly, make it extra clear that all information will be verified including income prior to the signing of any lease.  

The extra 1050 a month definitely helped with the bank.

They're pretty organized, but expect annual inspections and some extra paperwork. 

And the truth is, if the investment property was completely passive and you had zero connection with it, such as an arbitrary stock in a mutual fund, then I would agree not to get emotionally attached to any one investment.  

The harsh truth is that you are not cut out for this business.

This is interesting and I look forward to the feedback.But, I don't know if I want extra buoyancy in a hot tub?

Of course it needed some extra turnover work--landscaping, above ground pool removal, cleaning, trash removal, paint and other small amounts of wear and tear. 

I’ve consulted several different people and they have told me in my situation as an investor expanding their portfolio it makes more sense to keep the extra cash as opposed to paying down rentals.