I have such fat fingers for such a small keypad.James 

The crap I have to deal with on the SFRs and that Duplex far outstrip any issues I have had with the HOAs (and one I would rate as a huge PITA that has to have a police detail at the annual meeting because the board is hated that much they fear for their safety).However I have this fat check I have to write out every month on them, even on the ones that are "Free and Clear" that DO cut into the cashflow.  

Don't bother the HR department unless they are signing the lease (fat chance of that happening).

Remember IRS does require you to keep receipts and invoices to make sure your not buying personal stuff along with your materials from Home Depot but you can just stuff those in a spot in your wallet and throw them in a shoe box at home when your wallet gets too fat, so you can go back and dig them out if your audited.

I have built a relationship with the Pro desk and try to help them make their quotas when I can.  In

I have no tenants, I don't have property managers, I don't do repairs, I get principal pay down, I get depreciation, I get a fat option payment, I come and go as I please.

And I will fight that however I can. In

It's best then to try and find the closest comps you can in your calculations.Best of luck!

And like any other mortgage, you do the best you can in the next 5-10 years. 

Execute People spend too much time chasing multiple strategies, pick one and run with it and learn as much as you can in the meantime