My options are very limitted and the situation is very draining even I follow the bigger pocket advises and I unvested a lot of time in learning and also have years of experience with tenant.

The 15 year fixed would be about $1,000 out of pocket monthly.We own other single family homes in the area and cash flow on those.

If it only has 100/mo cash flow, there will be times when you have to dip into your pocket. 

Do you use bigger pockets tool?

Most likely I can pocket 50% of the rent for paid off property.  

Welcome to Bigger Pockets!

Some people with deep pockets are buying for appreciation and the negative cash flow doesn't bother them. 

Sometimes I wonder if people just feel better about themselves to spend all those nights and weekends on real estate when, realistically speaking, they would have earned just as good a return (or pretty close to it) by investing in a stock market index fund and had way more free time in life  I realize my premise here is antithetical to the whole notion of BiggerPockets so of course bigger pockets hates me writing this, as do all real estate agents and property managers, but it’s the truth and everyone needs to think about it

In 2018, we had a property turn and the net cost to you out of pocket was around $500 (costs to repair minus the security deposit that was returned to you.)

But honestly 40-45k back in your pocket doesn't do you much good in this market, especially with interest rates the way they are.