House Payment $ 1,787.00 Charity (I'm not really looking to change this one) $ 550.00 Phone $ 60.00 Utilities (Electric, Water) $ 270.00 Auto - Insurance $ 124.00 Life Insurance $ 75.00 Internet $ 50.00 Subscriptions (Spotify/Netflix/YTTV/Google Storage) $ 35.00 Gym $ 10.00 Groceries $ 550.00 Shopping $ 300.00 Discretionary $ 350.00 Home Services (Maintenance, Home Security, Pest Control, etc.) $ 175.00 Gas $ 175.00 Home Supplies $ 150.00 Fast Food $ 112.00 Restaurants & Bars $ 100.00 Amusement/Entertainment $ 50.00 Car Maintainance/Carwash $ 50.00

Cell phone, gym memberships, look into other deductions you can take with having a business, you can self fund your business as that is how most of us start unless you have investors, or stock holders. 

I understood that party would end sooner or lateral, as these ultra low borrowing rates were an anomaly and would disappear as inflation rear its ugly head.

I am about a month in to researching real estate investing and have set a goal to purchase my first rental property by June 2023 (but hopefully much sooner!).

That’s why I was here looking for insight because I know it’s probably not the best deal but hard to come by duplex’s for 100k that you can probably get 700 a month for sooner or later. 

There is also action taken much sooner than over a month rent delinquent. 

-As you HH, you'll build up a list of trusted contractors, plumbers, electricians, loan professionals, and all the other pros you'll need to help you build and manage a portfolio of properties--you can't succeed in RE investing without these people on your team, so the sooner you find them, the better!

If things continue to plan I should be ready to start work sometime in the first quarter of next year; maybe sooner. 

Have them sign that document and hope they move out by the agreed upon date.It might seem uncomfortable paying someone to leave when they owe you money, but if they agree, you might end up getting possession of your property several weeks sooner than eviction.

If I were to encounter a tenant like that I would simply inform them that since they are unhappy they are free to leave and the sooner the better.