What us "regular" people do is we take our gross rent and then multiply it at 85% or 80% (depending on what metric you want to use) and THEN we calculate our cash flow.

Could you generate 40K in additional gross income YoY in those two years, do you have a plan?

Some items that are hard lessons learned that I have been paying attention to as I learn about REI are as follows;Insurance can be incredibly slow to pay out (we are still displaced from our home and not able to pay for both rent and a mortgage out-of-pocket anymore)Federal programs that should be there in times of need like this may not be (FEMA won't help until the insurance claim is finished and those I know who flexed the SBA loans to help float them until insurance paid are wishing they hadn't)The timelines for repairs, availability of repairmen, and cost of materials has skyrocketed around here.Local businesses have closed because their employees left the area and there weren't enough people to keep the doors open.

Inducing, or attempting to influence, any employee of the Employer to terminate employment with the Employer or to enter into any employment or other business relationship with any other person (including the Employee), firm or corporation; orviii.

I operate this condo as AirBNB rental and retain a percentage of gross income for my management services each month.

That trickles down to employees, as well.There comes a point  where you have to make a decision of whether you want to maintain the same level of quality of service provided to all of your clients or sacrifice that quality to maintain your workload.

It's not always about whether you're "right", but whether some agency employee thinks so.

To determine if your properties would cover the DSCR, most commercial banks will calculate the properties' net income at 70% of the gross rental income (vacancy and expenses).

@Charlie MooreQuarterly inspections.Fast evictionsGood tenant screeningAll done by employees not you so you can buy more of them.

I am a W-2 employee right now, but do have a business on the side that generates income.