I consider myself very blessed in having two key respondents, out of the many who did get back to me, provide me with the most helpful information.

Shoot, even just witnessing what an expensive vehicle can do to your net worth every month is worth the exercise. 

I’m talking about getting in better Health so we can enjoy life longer and be a blessing to society longer.Anyone have any experience, encouragement, pointers, or comments?

Be blessed!

I own 11 units in Jamestown NY by the way that area of the country is so picturesque is almost unreal , I was blessed to find a really good property manager he is a local 48 year old leader of a new church that is involved in development of city of Jamestown and knows everyone in the city .  

So if you want to gift a friend or family member the money, go ahead, but don’t call it a loan, and count your blessings if you get anything back. 

More details/example fees: Management Fee: 10% of gross rent collected, $50 minimum per unit.Leasing: One full month’s rent upon execution of a leaseOther: 10% will be added to each invoice for any repairs, maintenance, improvements, landscaping, and snowremoval for the Property 50% of late fees collected $50 lease Renewal Fee $50 per utility turn on $25 posting 3 day notice $100 per court appearance witness fee $50 tenant removal with bailiff or police $50 to meet inspectors for housing voucher programs, occupancy certifications, and/or POS or rentalinspections Broker may charge to offset Broker expenses for postage, key copies and other misc. expenses $100 set up fee $120 annual consortium fee ($60 March 1st, $60 Sept 1St)Given all this, how do I input it when I'm making calculations for a potential investment (do I put this in as >10% like 12%, 15% or 20%?

I think that is important for you to know but ultimately it has to be blessed by your CPA.

Nice job on the recovery:)Blessings  

Blessings on your journey!