That means the -ve cash flow will be my housing costs. 

The insurance company may cover some or all of the restoration costs.Scope of Work and Budget:Detailed Inspection: Get a comprehensive inspection to identify all areas of damage, including hidden issues like electrical, plumbing, and HVAC systems.Cost Estimation: Obtain detailed cost estimates for the restoration or rebuilding process from licensed contractors experienced in fire-damaged properties.Environmental Hazards:Asbestos and Lead Testing: Older properties may contain asbestos or lead, which can become hazardous after a fire.

While you could be responsible for part of the cost, you should only be responsible for the worth of the depreciated door. 

I figured the only holding costs will be the utilities. 

I have been doing some new construction stuff in Ohio, and I'm curious to see how our costs compare to others. 

Your cost of living sucks in NYC so that hurts as well.You say you want financial freedom, but what you really want is time freedom and the only way to get time freedom is through earning money to give you that.

That I can set up for a personal goal.

It’s also prudent to review and update your properties' safety measures, such as installing fire alarms and security systems, as these can sometimes help reduce insurance costs.

Managers cost so much and make repairs cost even more, I do not see their value until you have 50+ units and no time. 

Or are holes after move-out just part of the cost of doing business?