It may pay to keep them with one financial institution, as some banks provide lower interest rates on loans or reduce fees for customers with multiple accounts.

That would greatly reduce what a complainant might think they could get in a law suit.Dan Dietz

Does this all come down to the more philosophical and/or stress tolerance aspects of buying stock versus tangible property?

Bookkeeper: I cannot stress enough the need to have a good book keeper.

The house is in the Kansas City, MO 64130 area and was built in 1966.I'm not sure if this is a solid resource to see expected appreciation values or not, but it's one I've found:https://www.bestplaces.net/housing/zip-code/missouri/kansas_city/64130The TurnKey company appears to be unwilling to reduce the sales price at all, claiming that the opportunity is strong and that they believe in the offer regardless of the low appraisal. 

If you have no reserves and you hit a problem- a costly problem then you potentially are in default or at worst very stressed and that is not a good place to be and could threaten significantly your future.

At the very least consider what you would need to do to be successful: deal with homeowners during the most stressful time of their lives; during financial crisis, unemployment and divorce, and the fact that most will be confrontational and consider you a predator.

but I am expecting more cancellations and higher vacancy unless we reduce our rates.

Because a lot of rental loss is depreciation, which will be recaptured, does it make financial sense to NOT use the rental loss, so that if i sell my property next year, this will reduce the amount of recapture gain?

Second, the Seller was very concerned about finding a new home for their own family and we were in a position to offer with a flexible closing date, which allowed them time to find a new home knowing that they had a buyer for their old home and was the major incentive for them, because it took the stress out of their home buying.