Rent                $2,600/month as MTR                           Vac (5%)         -$130                                                                                                  Main. (5%)     -$130                                                                                        Insurance  $97Cap Ex (10%) -$260                                                                                                Taxes $240Utilities           -$175                                NOI                 $1,905                                                                                            PITI+PMI= $3,846Net Income as HH (aka our cost per month)= $1,905 - $3,846 = -$1,941      My wife and I essentially split $1,941/month to live in our duplex in one of our favorite neighborhoods.So you may ask, "What about your ROI?!"

He also said insurance and taxes can be too high eating DSCR loan with current rate and I will make less money than Ohio and Kentucky state (example).

.- Specialty data - Preforeclosure, tax liens, evictions, etc. are always lagging data.

Assess if you have enough time for tasks like tenant screening and maintenance.Expertise: Professional managers know landlord-tenant laws and property maintenance best practices.Cost vs. benefit: Weigh management fees against potential savings and efficiencies professionals might offer.Property location: Distance from your home to the property matters.Number of units: More properties increase management complexity.Stress tolerance: Consider your comfort level with tenant interactions and problem-solving.Long-term goals: Professional management can free you to focus on expanding your real estate portfolio.

The downside is that the property must be free and clear of any existing mortgages for this to work.

I use a combination of CashApp and a website/app called "Rent App" which allows 100% free rental payments, and also helps tenants build credit.

So I can get the 2 CRMs for free or purchase a different one. 

You forgot about property taxes.  

Feel free to reach out if you need help with anything!

They can guide you on the most cost-effective and efficient path forward to protect your interests and ensure compliance with legal requirements.Feel free to reach out if you have any other questions.