It's a great way to talk through your plans and goals for real estate with people that actually understand! 

Yes, the goal is to screen for good tenants, these guys were ones who slipped through.

Here's an update: I ended up re-charging her a few days later with late fees and it went through.  

I think you should go through with this project.

Identifying value-add opportunities in strong neighborhoods and negotiating deals that make sense is something I’ve done a lot, so I understand what it takes to make these projects successful.If you’d like, we can connect and talk through some strategies or areas to focus on—I’m here to help however I can.

@Simon Packman - This year I got insurance for a quadplex through Steadily Insurance (Broker) that I've been happy with, so I would recommend giving them a call.

After that's under control, focus on increasing income through additional work at your current job, taking on a side hustle, or finding ways to increase income on your existing rental.At the same time, educate yourself.

Good luck.  100% agree that the way to actually make money in real estate is through appreciation, however I think there is a point for that in every investors journey.

There’s a lot to go through on this site if you have any tips or forums that you find to be really helpful let me know. 

Just look near the top of the page and click the 'agents' tab.