.- You’re still responsible for a $500 gap each month.Add in maintenance, unexpected expenses, and vacancies, and your costs can climb even higher.

  $3000 sounds pretty high to me for the area.Downside is you're renting to someone who can't pay rent...and has money challenges. 

I have debated about moving a house onto the property and either selling or renting the property or subdividing the property with multiple homes or even several tiny homes.

and even if you aren't going to do an inspection, can you walk it with a couple contractors?

This will take my market analysis and make it even better.

So if they can get guaranteed 5% interest in an account they can get their money out of at any time they’ll want 8-10-12%. 

: Patience💡 What upgrades are actually worth the money right now?

My thought is my gf and I are both paying separate mortgages at the moment (combined nearly $7,000 between both of our mortgages), so even if my SFH rental isn't a net positive cashflow we'll still be bettering our financial position due to the rental income it can/will produce.  

I don't know if that is even possible in the UK, though.

Often, I am not able to keep all of my ira funds invested in active loans so I would like to be able to keep the money that is not invested in loans in a liquid "money market" type of fund on a temporary basis.