Equipment has gotten far less expensive also.

The average buyers will NEVER pay close to this.

Be able to answer questions regarding average price points, rental rates, new developments, local policy change, population density, job/business allocation or relocation, etc.

Youre missing that the average house sold FSBO sells on average about $100,000 less than the average house sold by a real estate agent. ($225,000 vs $330,0000 in 2021)Im in the top 1% of agents nation wide.

The total cost was averaged out over the 12 months.

Despite the property's substantial equity, the rising costs have put me in a challenging financial situation, as my monthly expenses now exceed the rental income.

Owning property can be expensive and not having cash on hand to deal with situations that come up can put you in a really bad situation. 

I don’t know about the program you are speaking about but I’ve tried two expensive programs in the past.

Arranging financing, forecasting cash flow (it's not "rent minus the mortgage"), managing contractors, managing tenants, managing property managers, dealing with permits and city inspectors - it's a lot more than the average person realizes.

What if it sits vacant for a month, and you lose the entire $3,500 rent income plus the cost of utilities, lawn mowing, and other expenses?