Not being a complete expert with excel has been a big factor.  

excellent point, just texted lender, said no worries, change it.

@Greg Harriman $3k in rent is excellent.  

Hi I am new to this forum and this is my first post, I just invested in rental in north Dallas in excellent school district, i have put in all my savings to the last cent towards down payment, need some advice on listing this rental, do I go with listing agent or is there a way to list this myself and avoid paying commission, appreciate your views and suggestionsI have decided not to go with property management as I live 4 miles away from this rental and can take care of it myself 

I have excellent credit and some cash to make my first investment.

@Patrick Liska Excellent info.  

Low risk, and, consequently, low or single digit yields.

We are in our mid-late 20s with excellent credit.

A tip i have for you is to do a "google drive for dollars" punch in a street address on google of a target area you can see yourself getting deals in then use your mouse to walk up and down every street you may potentially have interest in make an excel spread sheet of the properties once you have a large number of properties on your list that you would like to target i would send their property addresses to a skiptracer and then launch a cold call campaign reaching out to these sellers a minimum of 7 times over a period of time this will make you real to them and they'll take you serious if you continue to followup with them.

They have an excellent track record so far.I know Ian also has concerns about Groundfloor's solvency as well due to the cost of the Reg A+ offerings.