You'll have to take an educated guess on insurance cost.

The problem is that the rentals are way below market and the landlord did this in order to protect their tenants (friends) I'm guessing.

I guess, first step is to find some job so that you can start saving for ur first property.

So I guess I'll see how it goes on my 5 properties.

I am guessing it will come back in the 4% range.I am trying to decide which way to go here and I would love some insight from the community on what things to be taking into consideration for the decision.Things I've thought of so far are:- Loan costs - originating 1 should be cheaper than originating 2.- Refinance costs - I'd have to refi in 5 years and who knows where rates will be- Refinance risk - related to the bullet above, but there is risk around not being able to refi at all due to economic conditions in the future- I can get the commercial loan in my LLC name. 

@Matt K. yeah I guess rents don’t scale as much percentage wise compared to prices...it’s crazy that I’m getting $3,000 for 3/1s (800 sq ft)  in deep East Oakland.

Amazing tenant and I pray she'd stay after her 2-year lease expired.I guess, once in a blue moon you'll stack with such a tenant and it gonna cost you.....well, that's your expenses of doing business.

Even with SFRs, you have the capital ( and I'm guessing credit score) to build a tidy little portfolio of cash flow properties right off the bat.

Hi Chris,I guess I'll be the fifth person to say it, you must have a WA real estate license in order to manage properties for other people. 

@Andrew Boettcher as you guessed, nothing in the lease mentions a requirement to run the A/C, it was just a verbal discussion.