That's because my cash flow goal is after ALL expenses, including a realistic vacancy, PM whether I use one or not, allowance for repairs and capex, and debt service, etc.

I am a Veteran myself, thank you for your service.

Randy I'd say it's some poor customer service on their part by not keeping you in the loop however I don't see a negligence case here.1.

Until you get established, your personal income is going to need to sustain the debt service on the rentals.

It is zoned Neighborhood Services (Mixed Use), which means it has other commercial uses. 

I have used several different providers and I have gotten the best deal and service from Waste Management.

Also the modification servicer (OCWEN) apparently did NOT check with the registrar of deeds to make sure the original owner of the property.

I tried a few times and it was uber frustrating i just never went there again.. and being an agent representing a buyer it was painful.. your buyer is e mailing you everyday wanting updates.. listing agent wont communicate becasue they are swamped and have nothing new.. it was very unproductive way to sell inventory.. but we had to remember this was a crisis and banks simply / and servicing or asset managers simply did not have the man power to deal with it all.. 

I'm currently self employed in a service business I started in 07 and am transitioning to RE as soon as possible. my "part time" RE effort is still likely over 30hrs/week. looking forward to freeing up another 50hrs when I can step away from my other business.

I filed a protest with the HCTO (on my own, through their automatic protest filing service--did not retain one of the many lawyers who yearly send solicitations to do this on my behalf).