Using 50% rule (expenses excluding P&i is 50% of rent) here are the numbers;1800 (rent) - $900 (expenses) - 1468 (heloc) = negative $568/monthAt your rent point with that size unit, your expenses will ve less than depicted by the 50% rule, so let’s use a likely more accurate 40%1800 - 720 (expenses) - 1468 = negative $388/monthNow let’s imagine you self manage and you time is not worth anything (I strongly recommend believing your time is worth less or worth less than a quality PM would charge) with 8% further reduction so expenses are down to 32%1800 - 576 (expenses) - 1468 = negative $244/month. 

I’m having a hard time reconciling your title and what you’re actually saying in your post.

I'm finding it hard to believe that Xero doesn't have the ability to do this will all their custom reports stuff.In Xero I can't figure out how to get a view in a report how much the principal has paid down over the selected time period. 

Quote from @Jackson Harris: Hey Kai'ler for our STR portfolio and what our investors do is start getting it listed on Facebook/Zillow rental/Furnish Finder/etc now as a LTR for that time period you're talking about.

Prob not the smartest thing to do but will be gone in no time.

Three out of the four units are section 8 CHA tenants, so the rent is on time each month, but we have to do an inspection every two years.What is the condition of the property you are looking at?

It can get pretty expensive what would anyone suggest or should I write the lease so that the next tenant depending on time of year should I do not include a specific utility and adjust my rent because of it ? 

Perhaps you have this kind of time and energy to waste. 

It's time to run the numbers to determine the cash-flow.

At this time the primary goal is passive income and then scale within 5 years as I gain more experience and network.