Give me the horse and buggy vs a self driving car with immature software and sensors any day.My point is you should use as much technology as you can to make your life easier without going beyond its limits, and in the meantime always be on the lookout for new solutions that solve problems without creating new ones.

Regret gets you no where in life.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Tampa can work, but yes, taxes and insurance are higher and might keep cash flow tight.

If they're delinquent after only 2 months, they're either facing sudden life changes or you did not properly screen them to begin with.

You start by mentioning your age... you'd need everything to go just right for the rest of your life to make, best case, $400 or less additional each month net cash flow. 

Insurance is awful.

However, before you do so you should ensure that your revenue from rental income covers ALL your property expenses in the townhome, including mortgage, taxes, insurance, maintenance/repairs, vacancy, property management, etc...

Make sure to account for property taxes, insurance, and any HOA fees, as those can vary significantly in different markets and impact your cash flow.

Many opt for other investing methods in their SDIRA like private lending, crypto, private equity...anything except collectibles and life insurance.Note that a Solo 401k is exempt from UBIT on leveraged real estate so if you have self employment activity and no full time employees save for you and your spouse you should consider the Solo K as an option.