People in 1981/1982 were angry they were paying 18% interest.

The commissioner ordered me to pay the plaintiff over $9k plus her attorney fees.

This wasn’t a required expense.Property Taxes - $926.88We put in the offer to pay the full years property taxes vs. split them at the time of the sale.

I use all the rental cash flow to pay these loans off asap, then repeat.

The long term (since 2000) appreciation for chicago is 3.35%/year.  3.35 * (10/6) = 5.58% return from appreciation.Total return: 5.58% (appreeciation including the leerage) + 2% (cash flow)= 8.58% + equity pay down + tax benefits.I fear your total return does not justify the effort and risk of residential RE.San Diego is a good market for long holds.

For small MFH/SFH you have to find the deal, inspect, estimates and decide what to do, make a deal, get financing, get contractors, manage contractors, pay contractors, then turn it over to a property manager.

I currently use Followupboss, prop stream, I alternate between calltools and mojo, I've also tried smarter contactIm looking for a CRM that incorporates all of this but Im not paying a crazy amount.  

I reduced my responsibility to only taxes/insurance while the tenant buyer does the maintenance, pays utilities and makes monthly payments to me. 

If your paying cash to buy and rehab then refinancing I get that.. but your still paying for two closing costs.

As @Dan H. has stated building and ADU can take a while to pay off and could affect the appreciation on the exit sale without a garage which could limit your sales to another investor.