Are we slowing progress down because we're waiting?  

This does not work in a declining market or if the long term interest rates jump a lot.After I bought my first one it took me 3 years to refi and buy my second property so its slow at first.  

Fees at every turn, yet slow to make ready and re-rent.  

Deep New England Roots (Rhody boy).

It starts slow but I believe anyone can get there within 10 years if the do things right. 

The fact that Cozy is slow and unreliable is not your tenants fault.

I think my next step should be to refinance the mortgage to help slow the bleeding.

At least do what you can to slow down the major cap-ex expenses like plumbing, roofs, HVAC, etc.  

My plan is slow since I am investing out of state.  

And is that extra income going to help you reach your goal faster or just slow you down?