Using 75% leverage would boost that to 16.58%.

Now, before you think I'm a horrible investor, the main reason for the low cash flow is since those houses came with existing tenants, paying rent way under market, and I don't have the heart to remove them or bring the rent to market value, so the wound is clearly self-inflicted, and I could have been doing far better.

There are Fannie/Freddie loans on apartment complexes, but my understanding is that they are not for the inexperienced/faint-of-heart.

To which they buy and spend in the local economies to boost their communities. 

The wildfires were a tragedy that our hearts may never recover from.  

When the initial appraisal came back at $118k my heart sank, I thought how could I have screwed this up, how could I have been so off, How am I going to payback my lender!?!?!

this will boost huge value to the property. 3.

this will boost huge value to the property.3.

Account Closed "The deal of the century comes every other week" :)Take heart - you are on the right path!

Have a serious heart-to-heart with yourself (and your spouse) about what your current capacities and needs are, and develop some short-term goals that are realistically achievable given your current situation.