@Josh James I did not mean to imply all repair spending is at risk. 

He implied that I should be grateful they were so flexible in allowing me to apply my deposit to another program.

There will be 'implied' interest anyway.  

That's where type of job/industry of a tenant is important.The video implies the potential for another wave of infection in China.

Our trainer was very knowledgeable, with many, many case studies of actual deals which was impressive. 

Are you implying that your husband does those things as part of (included in) the management fee? 

This implies that 6 months reserve would have covered 2020 pretty easy but may not have been sufficient to handle both 2020 and 2021.One thing to keep in mind with these numbers is that I could have converted to LTR and lessoned my impact, but I had the reserves to not have to be too concerned. 

One of my favorite things the trainer said that stuck with me was SWSWSW:"Some will, some won't, so what"Keep this in mind when your friends have burned you and gone with "more experience agents" and any other time you are feeling disappointed because things aren't going well.

That isn't clear.If you have "investors" that implies they have money, if they have money, they need to see an attorney.

It's like the people that make up excuses to skip going to gym but they'll pay a personal trainer (in part) because they know they won't skip those days because it's costing them money.Not to mention you then have someone (as a mentor) who should feel some obligation to help you.