I was doing fine until I decided to go for a more expensive neighborhood and price range.

I've heard winter can be a tough time for rentals with potentially lower rents.

Outlook going forward:It seems the Fed will lower interest rates at their March meeting.

Focus on increasing earnings, reducing expenses, saving up, and investing. 

I'd like to continue self-managing and trying to run as lean as possible while trying to get the snowball growing, and am now looking at ways to eliminate as much of the week to week and annual management overhead as possible, while keeping my expenses low while my cashflow is low.

It is more expensive to insure a hotel than a residential rental property.

Canadian investors) may be able to provide a slightly lower downpayment if they can prove that they have enough INCOME (not assets) to cover the monthly mortgage payments in addition to any existing debt. 4.

They can guarantee security deposits but also have a program where you can guarantee SD's plus rent for those who might have lower credit scores.

HML just rebranded to PML to give the borrower the illusion that their rates would be lower or terms easier.folks are always looking for that PML who will lend for far less than market.. and as you mention those would generally be individual lenders.ANY COMPANY PML or HML that advertises and holds them self out as a lender no matter what they call themselves are HML or PML they are one in the same.what your getting at with the larger companies is where they get their money..

Even community hookups can be expensive so make sure you find out what you are in for.