Plenty of dividend-paying stocks out there with solid dividend histories right now, paying well above 10 percent for me doing absolutely nothing.If I can earn 10 percent for doing nothing, I'm sure not interested in earning the same for having to do something, particularly when that something is time consuming, such as a rental.

Its the regular consumer that buys/sells a handful, at most, homes in their lifetime. 

any consumer debt, student loans?

I think bad actors will always be around, there is a need for some consumer protection, but I think regular laws can do this.

Study shows growing broccoli sprouts at home and consuming them daily counteracts carcinogenic effects of chemicals in food / environment (NIH, Amazon Link). - Nashville University Belmont Embracing AI in Education (NBJ).

Most consumers don't have enough education to know how to investigate and find quality agents, which is why our profession has such a poor reputation.

It will still count in her debt ratio on a consumer loan, but not on a mortgage with the new lender.

We've gone the full property manager route and didn't regret it because we've been lucky enough to have decent PM companies; however, we have found we can do this ourselves and it isn't time consuming or difficult.

You also need to factor in that it's a duplex, and according to Zillow's Consumer Housing Report, only about 8% of renters prefer a duplex, so it is even more important to make sure it's priced correctly. 

Its the regular consumer that buys/sells a handful, at most, homes in their lifetime.