The biggest issues we faced was equipment breakdown as customers routinely abuse the equipment  the most common repair ws due to over stuffing the washers and using the washers to dye items.

It has become routinely challenging to get appliances ordered, delivered and installed in a timely manner due to supply chain and labor shortages.

There needs to be reserves for maintenance and repairs.

Sounds like you answered your own questionThanks for the replies.My goal, ideally, is to put 20% down, have rents cover all standard costs (mortgage, regular maintenance), then sell the property after ten years without capital gains.

This will likely be a property that needs a lot of maintenance which will require lots of cash to rehab.  

Rents are under market, and there's some deferred maintenance, both of which we like.

Now that it's reset, I will have just standard maintenance and period capex, but it still cost more than I expected. 

There should be absolutely $0 in deferred maintenance and all systems as well as roof should be up-to date or near beginning of lifespan at a minimum.  

I would say the 5,4,3,2,1 is most common on long term loans (10-30 year terms) but by far the worst structure would be yield maintenance rather than a step down.

Hopefully you have maintenance and vacancy and cap ex accounted for among everything else.