For some people, taking out a large loan on a property and earning no cash flow for a long time is just not their thing.  

Start earning return in 3 years. 

Yet for owners of rental SFRs, duplexes and condos—not to mention retail and restaurants—COVID-19 threatens to reduce landlords’ rental income, perhaps entirely.

We reduced the price already by a quarter and it's been posted since late August/.Any advice or experience in this would be appreciated.

The state’s housing is also ranked as the fourth most affordable in the country.Alabama currently has the second-lowest average property tax rate in the country at 0.4%, which helps investors keep more of the money they earn.

The premise of the time value of money struck me: "Money in hand today has earning potential, and we can turn money today into more money tomorrow by investing it."

It earns more risk-free in money markets than your mortgage rate probably. 

It also depends on your goals and how safe/aggressive you want to be, how much you want it to earn, and what meshes best with your lifestyle. 

I think it was my fault and my ignorance for allowing him to convince me to re-finance properties every 3 years and I think he re-finance 3 of my properties 2 times meaning he earned a $20,000 commission for each property 3 times, or he earned $60,000 for each property just for being my broker.

We try to limit as much risk as possible while reducing the capital carry.