Relatively small amounts of interest income ($1600+ per year) is the highest taxed form of income I have found if you have kids at home.After earning a few grand in interest, It takes away my child tax credits and gives me an effective tax rate of 70%.   

While living with tenants can pose challenges like privacy concerns and tenant relations, clear boundaries, professional management, and proper tenant screening will help you succeed.

But as it relates to buying and owning RE nothing has changed..

My income doesn’t show itself as being very high, but I have a relatively large amount of cash to put down.

Happy to help with advice on anything cost seg related.

The best way to connect and learn is to be in rooms where it's going down.In terms of captial your best bet is to focus on a primary income that cash flow sufficiently, saving as much as you can and doing something real estate related so you can get familiar with the industry.

Since you only have 2 full time and two part time staff, who covers their vacations and sick time?   

Ask if any of the contractors are related to the PMC's employees. 

The onboarding was extensive, and I don’t think they do a great job of explaining that most of what they need is related to the banking side of things and actually nothing to do with setting up the software.

Managing a rental yourself can be time-consuming, especially if you're handling maintenance, tenant relations, and lease enforcement.