Keep in mind that a title search is NOT title insurance, and if something is missed, or you're not first position, it's your problem.

also what 30 yr fixed  rate are you considering and what are the closing costs/ loan fees  associated  with the refinance …..you might ask  for  " low cost "  rate options for the refinance  in order to keep these expenses down …...if you refinance the loan to a new  30 yr fixed in order to make it cash flow better - always keep in mind that you can  apply extra payments to the new loan to  whittle the balance down

Change jobs and adjust to a more frugal lifestyle.Keep in mind that a paycheck to paycheck life style is by choice not circumstance.

The Rents drive the property values higher.When you keep that in mind, and you LIVE in a rental in NYC, you better keep in mind that rents in 10 years will be FAR different than it will be today.

@Diana Dorantes, do you mind if I ask how much JMR Holdings charges for the management fee?

Somebody handy could do that for under two hundred bucks and you can have peace of mind your property isn’t being ruined .

I have one more question if you don't mind.

Restoration company will use Xactimate and submit the scope of work, line item by line item, including any work required to test and remediate asbestos/lead paint (most likely, they'll hire a 3rd party specialist to handle that), coordinate things with your Public Adjuster, and your PA will liaison between yourself and the insurance company's adjuster (the insurance adjuster has the insurance company's interest in mind, not yours, so don't think the amount they quoted you is what you'll be entitled to on the claim). 

Keep in mind this person made another landlord take the matter all the way through the whole eviction process for it to show up on her record.

Keep in mind the number of properties is irrelevant it's the amount of passive income you're trying to obtain, whether your target can be done with 5 properties of 15, it's the income target that should be the goal not the number of doors/properties.