I try not to go out to eat that much (or any other useless spending) and put all that extra money towards my loans.

Pigs get fat and hogs get slaughtered.  

Just concerned that the HOA fees will eat into profits/cashflow.

The kitchen table folded down so you could walk through the kitchen when you weren't eating.

She is very worried about buying a single family residence where we discover huge issues that eat up end up costing us 150% of the house value by the time you are done paying.I don't have the answer yet about what to do when your flip turns into a nightmare.

If you buy diesel fuel or eat food, part of that money you spend is coming to me.  

Those can be a deal killer and eat into your Net/Passive income

That's what is eating me up I feel like this money should be making money.

Yes the HOA eats into my monthly cash flow but I also haven't had to pay to fix anything more then a light or a microwave in the 5 years I've been renting it out.

Plenty of good deals out there,BTW unless you are getting these props at a great deal, All in FOR 100KISH then move on, Taxes are too high, it will eat away at your ROI.