@Franklin Parker Sometimes PM firms have their own handyman, although it could be in your best financial interest to coordinate them separately.

So just seeing what kind of financial advice i can get to drag ourselves out of this slump.

@Rob Brown Your asset allocation should be determined by your personal financial situation.

Thanks Doug, I'll use your advice and see where I stand.

My main goal is achieving financial freedom as quick as possible.

What will you offer the tenant to convince him to make a poor financial decision?

That way if any tenant in the future has issues or questions about this situation you will be covered from a liability stand point.

I emailed the agent, and he sent me a financial statement from the room next door, which is identical. 

& get wiser, not doom, stumbles and taking financial hits.

That is to create passive income, be my own boss, not have my son spend more time at daycare then at home because I have to work, retire early, travel and to overall obtain financial freedom!