The other issue is, my opinion nor any non-attorney's opinion won't mean squat in front of your local judge!

I started in real estate in 1984 and found a mentor that taught me the land game so I go spoiled no tenants or leaky toilets.

The more conservative banks are probably the ones that won't get burnt if this market does go down the toilet.

My answer would be more on the yes side if management was included in your expenses, but now you are doing all the management work (calls for toilet plugs, etc. in the middle of the night) and only receiving a 6.6% return on your money.

When is the last time you called your bank for a clogged toilet?

Then deck them out with luxury bedding, decorative lighting windows, built in tables and benches, lofts with stairs along wall, composting toilet, propane heated shower, propane heated bathroom and kit chen sink, microwave, composting toilet, solar powered electricity.  

If you just want to park money in an investment, sleep soundly knowing someone else is unclogging toilets, and go back to making money at your real job, turnkey.  

There are lost of avenues to invest in real estate without a ton of money, and without the hassles of broken toilets and having to replace roofs.

I think I could add a Saniflo macerating toilet and sink for around $5000, but the hassle for issues & repairs might be a bit much for my first property.The numbers seem to be a bit thin.

Those may be as or more important to an investor's future wealth than how to install or fix a toilet.