You didn't even mention tenants who don't pay rent, evictions, vacancies, HOA violations, the consistent rise in taxes and insurance, bad property managers, and the many other issues that cut into your profit. 

Howdy @Chris Wilson I too am a buy and hold guy here in okc and also a property manager.

Looking for recommendations for property managers.

Hello all,      A local landlord in my area has offered me an owner-financed portfolio and I am attempting to decide on moving forward with or running and would love your thoughts. 

Any recommendations for decent property managers will be greatly appreciated.

Do you have the skills needed to manage it well and prevent losses?

Looking to hire a property management company to manage my duplex, which I have been managing since 2018.

I recently met with the owner of a property management company.

At my company we specialize in rental property management and we also would be happy to be a resource for tailored advice to ensure your future investments align with your financial goals.Feel free to reach out if you'd like to discuss further or if you were to need property management solutions in the future.

At that point you can decide if you want to max out on your first property or be conservative and just borrow what you feel comfortable based on the payment.