I’m always curious about the factors that make people decide on specific markets. 

At most, you will pay down the debt, and inflation will eat up all gains. 

Inflation will always eat away at the value of the dollar, so 10K a month won't provide you the same lifestyle in 20 years that it does right now.

I feel terrible walking away...but i was under incredible stress (not sleeping and eating like crap) trying to figure it out and make the quotes work by paring back finishes.

I would look into self directed 401(k) options (your employer may not allow that) or the borrowing from the 401(k) to see if you can have your cake and eat it too! 

HOA dues eat into the DSCR and then there's a condo questionnaire you'll need filled out by the HOA and they are not the fastest ppl to respond. 

These properties will now eat you alive.

We have no control of the condition of your property, if the value will appraise at where you feel it will appraise at, selecting specific appraisers, making sure the title to your property is free of any liens/judgements, what the title company will charge you, how much the AMC will charge you for an appraisal, what your property taxes will be, how much your insurance will cost you, and the list goes on.. 

Most only assumed it applied to a specific demographic of society so it would be seen as more humorous or acceptable.

Time to eat more greens!