(gross rents $4900; 8% PM; mortgage+insur+taxes = $3600/mo).

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Almost every action taken in the economy is taxed and the faster the economy chugs forward the more taxes they collect.

I'm assuming you are arriving at your cash flow number by applying Gross income - cap ex, maintenance, utilities, vacancy, tax, insurance, mgt, landscape/snow & Debt service?

There will be no assessment for increase in taxes or insurance so remains at $1935.

Enough immediate cashflow to balance out the mortgage, taxes and insurance.

The management company replaced some of them, however there are still several other fees related to the theft that we are trying to get reimbursed for (they told us we would not be charged, they charged us anyways).

Taking a break from working on our 2024 bookkeeping and taxes. 

Then rent the bigger home out using a property manager, allowing her to possibly cash flow and maintain that asset and let it continue to grow in value.Encourage her to consult with a CPA or tax attorney to explore the best strategy tailored to her situation.

For now, it Looks like your roommate/tenant can cover half of your mortgage (plus hoa fees).