Remember HML have a countdown clock and are only good for usually 12 months.

If you are/were old enough to remember the early 80's (or ancient, like @Jay Hinrichs and remember the 70's :D ), you'd know that 3-5% rates for borrowing money is almost laughable.

Remember your situation is unique so it's important to consult with a tax advisor or CPA to explore all available options and ensure compliance with tax regulations.Thanks!

Worth checking.  

It's worth mentioning I also require tenants to have their own renters insurance policy with at least 100k minimum liability.

I personally would rather a few properties make up a sizable chunk of my net worth vs. 100 doors that appreciate a thousand a year.

Take it for what it's worth. 

And remember, this is Pre-Covid dollars too!

The only slight red flag was that they only accepted payment via Venmo or wire transfer, but that's how I accepted payment when I was selling lead bundles, so I still thought it was worth a shot.

That's not worth 15% of the job.Another thing to consider is that some managers will charge low management fees and then add maintenance fees to bring in more income, while others charge high, all-inclusive management fees.