You have 39% as all in annual expenses.Will be more like 50 to 60% based on age of the building and any landlord paid utilities.Even at 114,480 number it makes no sense.Annual rent growth average for multifamily is about 3% which keeps pace about even with inflation.

Just know that success doesn't happen overnight and that it is important to maintain a "growth-oriented mindset" along the way.

Super generic response, but there is not a single asset class that is better, it is about where you are in the cycle and has growth and what is peaking. 

Contribute, Invest to grow the account and use the funds for related Health Care events until the age of 65.The HSA contributions can grow tax deferred and are in addition to your IRA Annual Contribution LimitsHSAs can invest in Real Estate, precious metals, notes, public/private stock and moreTax Free distributions for Qualified Medical Expenses (QMEs)Age 65 starts standard distributions (just like a regular retirement account for the most part) subject only to income tax, no penalties.Disclosure: I am NOT an Attorney, CPA, Accountant, Estate Planner or any other related Professional and Individuals should ALWAYS seek out the advise of licensed professionals in the related areas of expertise prior to embarking upon any endeavor. 

I am in Plano, in DFW area in Texas, moved from San Francisco in 2013 and I am looking to get into REI as a part time business and growth it so I can do it full time. 

The areas of York and Lancaster are also great.Central PA is a nice stable market, with great diversity of employment, a few hours drive from NYC, Philly, and DC.You have to be a little bit careful in down town Harrisburg, but the suburbs and whole capital market is great from a cash flow and growth perspective.

I don't know how the market for rentals is in the tri-cities, but here it's crazy from under-building and population growth.

The Human in us desires a Coach, Teacher, Mentor, Partner or Instructor to validate the information being received within the material, to be able to then bounce the information off of others with related knowledge (BP can assist with this aspect for sure) and finally to be held accountable to turn that information into action which should result in positive growth (and even higher income/profits as related to a career or business venture).Now I know, everyone can see or not see value in investing money to obtain a foundation or even an advanced knowledge taught by practicing professional instructors in the area related to the information sought, but why don't we complain about those same investments into an Accredited College for a paper degree which is suppose to have you prepared for the "Real World" experiences that come afterwards and sometimes fall short?

I've seen some good growth here and good cash flow.

Until then, look to alternative financing deals, build your portfolio increasing your income, showing growth will certainly help.