Supercharging with leverage seems to be a very popular/favourable way to go.I recognize Dave Ramsey to be on the far end of the spectrum.Thanks for your input!

Because they are making 10x that on all the other customers

I hear local lenders are more customer service-oriented and all around better, however, is it worth paying more and consequently spending way more over the course of the loan or should I go with the cheapest rate?

But feel it is going to negatively impact landlords by further scrutiny(and new regulations) from the government which will harm tenants on down the road.I'm not sure how it "harms tenants" any more than any other business harms customers by raising prices.Around 70% of rental property is managed by a professional property manager in Australia whereas it's more like 20% in America.

I think they will continue to increase in popularity in states like CA, OR, CO and WA.

I use this to easily have the data to give to my CPA.You can likely Google a good Excel template that you can use to customize as time goes on.I keep tenant info, AC filter sizes, trash pickup days, Magistrate info for potential evictions, Section login info in addition to the normal income and expense info. 

Mixing Modern Beach Chic and Rustic Farmhouse touches have been SUPER popular lately.

if you HAVE to replace:i know it may not be popular in your area but vinyl will be less money then hardie or LP.

In the meantime, I did some research on the area itself:Gloucester City looks close to Philadelphia, which I'd guess is an asset as long as it's popular with commuters.  

It usually takes customers a couple months to get used to ANY new system you put in place, so even if you no longer take cash payments, for example, a few will still pay with it.