The trade-off in a little less cash flow and paying interest allows you to a) do more deals, b) have a bigger safety liquid position. 

As a quick rule of thumb expenses should be 35% of gross income.Go to IREM.org search for ARM certified property managers.

Amount to pay off, payment, type - govt or non govt, arm or fixedWhat is market rent?

When I bought my property 9 months ago, I was only able to get 10 year portfolio ARM with a 3.625% interest rate.  

Armed with 25k down payment and 38k in old 401k, I want to start making income generating investments, but I do not like sacrificing for cookie cutter rentals.

I do understand that being armed with the right information usually puts you in a better position to negotiate.Just wondering if any of you ever feel this way when searching for the deal and having to dig for information and coming up with some not so pleasant circumstances people have experienced or are experiencing hence they are selling.

Safety reasons mostly.

It was different for us though, because we worked for one of the largest corporations and they were concerned with safety of those showing units.

You're young, RE investing is lots of hard work, and learning the ropes now while you've got a safety net of a steady job is going to take so much stress off of your mind. 

For my regular 9-5, I am the safety manager for a manufacturing facility.