The community here on BP is great about supporting each other.

My primary is a 2-family also and I use turbo tax for that and my other rentals. 

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

There is also a ton of different financing strategies available other than your conventional mortgages.

When you have all the properties identical to each other, how do you compete?

This platform on Bigger Pockets is a great source of information where you can ask questions and also learn from other investor questions.

But do all the other houses in the subdivision have stained fences?

Having worked with 1,000's of investors to Broker the properties I sell in my local market, and having worked with dozens of Property Managers, Turnkey Providers, Agents, Property Management Software Companies, Lenders, Inspectors and various other investment real estate vendors to market their products and services on my show, the one thing that stood out to be was the CEO Zach's obsession with the biz.In real estate we've get a lot turnover, a lot of flameout.

You should consider making an investment in an area where you have a competitive advantage others. 

If you just take the 13,835 financed at 6% you are adding 83 dollars a month. so a double whammy.Now, lets consider if rates drop to 5.5% in 24 months (not a prediction just a what if) and you could have refinanced at a much lower costs then the above scenario in what you paid in pre-paid and additional interest. on the other hand, if rates for your same scenario after your 5 year payback period is 9, then you will have an asset with a much lower then current market rent.