I doubt switching to a different property at 5% down will leave cash flow negative as well but you’ll lose closing costs on both ends from your equity.Selling before 5 years is typically a net negative unless you are flipping.

Rents do go up over time (as do costs, but hopefully at a lower rate). 

Believe me, even small changes can have a huge effect on how much money we get.In the real estate investment business, it's important to build ties with brokers, lenders, and direct contacts.

Just a way to reduce the cost of us having a place there.

I want to convert the church into a house, which will cost about 100k.

I would think having a landlord or rental dwelling policy is a much higher cost to be mindful of.

Unfortunately, that is not going to be very effective.

You might be asked to pay an extraordinary sum, maybe $5,000, for the program materials or to attend additional seminars and boot camps.Or, you might be tempted by a program that doesn’t cost much only to find out later it is bait to get you to purchase even more expensive products.

In a perfect world it will also allow me to input quotes as well as actual cost to complete each line item, so I can get better with each renovation.

yes, and no-cost basis.