I've just started this year and am finding the MLS increasingly difficult to find anything that pencils out for a long term rental.

My goal is simple: I want options.

I disagree that it is to get around usury laws in Georgia, since the legislature caps it at 5% per month, simple interest.

The plan is to increase to market after 6 months.  

If they're 10 year tenants, you might have an opportunity to increase rents as well! 

We had our second home rented out before the closing.At this point and after reading numerous books on real estate, I realized that although we had reached our goal of owning a rental, our finances were completely vertical and I need to spread out to increase cash flow and reduce the impact of a vacant property.In January 2016, I started data basing different markets across the USA.

I hope someone receives some value from this post, because it is a seemingly simple mistake to make, but could have significant tax implications.  

Also, any potential pay increases, windfalls, inheritances, etc are not included.

However, be careful you properly forecast for increases in the property taxes.  

As mentioned earlier, this is a simple fee to waive.