I am no expert, so take this with a grain of salt. 

My greatest pain point is not that the deals failed, although that certainly adds salt to the wounds, it's the poor communication, false narratives, chasing (almost begging) for updates, lack of full disclosure, the smoke and mirrors, etc.

Especially, out-of-state investors too that have no such connections looking to invest in Salt Lake City area.

My plan is to buy and hold.I have read on other posts about this problem and some are able to use things like hydrojet or root killer flush with copper sulfate to hold off needing any repairs.

things missing in your list (everyone manages differently, so take it with a grain of salt)Vacancy rateTurn overbad debt legal fees (evictions as needed)accounting fees for professional tax prepmaintenanceProperty TaxesSales Tax on PM fees (In NM, this is charged, not sure about where you are)Reserves for replacement CAPEX - furnace, water heaters, ac, roof, parking lot, etc.Admin, software, advertising, etc.Cost segregation study for accelerated depreciation captureAs for your loan. 

Everyone's situation is going to be personal, so take any and all advice you get here with a grain of salt and weigh your options on what best hits your goals and lifestyle.

.: There IS going to be a big impact on Real Estate, especially for Single Family and small Multi-Family that is Owner Occupied.The SALT Deductions are slated to expire at the end of 2025.Trump has already said that he will allow it to Expire:https://about.bgov.com/insights/elections/2025-tax-policy-cr...This is NOT a small change.The Standard Deduction gets reduced by about 40%.Then you get to deduct the SALT (State and Local Tax) that you paid PLUS up to $1 Million in Interest from your Mortgage against your Federal Tax Return.The only limiting factor will be AMT (Alternative Minimum Tax).In 2017 when this Cap was put into place, it made sense.However, now that the average Home sells for about Double what it was back in 2017, many normal Americans can benefit from the Expiration.I'm hoping that the Trump Administration does not extend the Cap.Too many people will love him more if he allows it to Expire!

I do feel like we all have our own bias and what we feel comfortable owning, so you'll need to take my POV with a grain of salt of course, just like everyone else's.

Most people are trying to help you.You should take all advice with a grain of salt here and see if it's backed up in future responses.

That means, take anything I post with a grain of salt :)FF for us started off as our bread and butter for lead generation, but as we added more units, we added AirBnB and Vrbo.