My cash flow is not great because of high insurance rates and HOA fees.

I purchased my first rental property - a newer home in a high-appreciation market and neighborhood - with a business partner, and she and I have had the hardest time getting it rented.

We did discuss as a board having a more hands on property management company but looking around the fees were quite high and the community liked keeping their HOA dues low.

This fixated goal on "10k" of passive income is just losing it's power annually.

Software used for maintaining property financials is intuitive and distributions are made timely on a monthly basis.

So having said all that, properties that attract high quality tenants (location, location, location) cost more and have lower returns.

You need to bank more money and stop looking for high-percentage leverage that will collapse your future.Earn and learn.

This needs to be at least positive, or your price is too high.

The mortgage on the property is still fairly high with a balance of  $285k.

I am very eager to start taking action and learning but live in a high cost of living market (Boston) currently and for several reasons (need to save more, move to lower cost of living place etc.) will not be able to start for at least 1.5 years.