Cash flow is subject to your expenses and vacancy, repairs, capex, etc.  

As for the Ramsey market, I just filled an Anoka vacancy on edge of Ramsey in 2 days, literally, and my biggest problem is the continuing stream of applicants for the unit, lol. 

So this is a lot of money lost, for landlords and businesses that rent commercial space.Companies are going to foster working from home and this will mean higher vacancy rates for office space.So businesses have been closed, making zero money, landlords of commercial premises lost 3 months rent, there will be less office space rented, and unemployment will go up.

There should be value added to the property, this should reduce vacancy, BUT do the upfront costs and maintenance $'s added to my CapEx budget negate the added value?

Is anyone having a problem with vacancies?

With a 30 year we would cash flow around 150 a month after taxes insurance prop management and money left for repairs and vacancy. 

I go super conservatively and run "what-if" scenarios for vacancy. 

On top of that, it sounds like you have no reserve saved up to handle vacancies, roof replacement, a trashed unit, etc.Yes, I would recommend you slow down.

I am not raising rents here in the Chicago area on my properties, but I am looking to get top of market rents when I have a vacancy.

.$300/month insurance on a $900k property looks low to me.I don't know the Charleston market, but I underwrite to 8% vacancy for MFR.After a major reno, repairs and CapEx will be lower.