If you don't feel your attorney did anything, then you have a bad attorney.  

Sorry for my bad english and long story and thank you for helping me out!

The retaining wall on the property (mentioned we bought it on a hill with view) was going bad. 

A "good" neighbor would chip in to remove it, a bad neighbor would point out that its on your property and is your problem.Regardless, I would remove it myself.

To call me a lier is just bad form. 

In order to decrease the chances of getting into a bad HOA community.

Some others could be bank reserves, your reserves, vacany factor, and also concessions/bad debt

It’s a low-income area, but not a bad neighborhood.I just viewed the property with my agent and it looks great.

You may want to reconsider your ultra conservative investment approach in order to grow and actually achieve positive cash flow.If you are buying homes worth 50K or less and renting for $850 + per month you are not doing as badly however you should try to find a way to pull all your dead equity especially before the markets turn and you end up losing it all.Paying off rental properties is not investing it is hoarding of cash and is extreamly expensive.Just food for thought

So not as bad as 29203/4.