Little claims raise your rates and end up costing you more over the long term. 

Sure, things that the feds do affect your marketplace, but we are NOT a national market (I'm not an American, yet).Anyways, the banter is great, and if you want to start another thread, I'm happy to chat about real estate with you. 

We are looking to set up one of the 4 units in the building we are buying in DC as a MTR and have some questions.1.

It's a HCOL area and long-term rentals are not profitable at current interest rates, which is why we went this route. 

I have had the discussions with my wife about wanting to earn passive income through rental properties and we are on board with the idea.

If I can borrow money at 6% and invest money to make 20% plus I would do that all day long.2) Without leverage you are setting yourself up for paying more taxes because your depreciation expense cannot fully offset the cashflow. 

I am planning on being married in the next year and a half and my partner and I are currently saving up money so that we can start investing in real estate, we are targeting fall of next year to start and should be able to have $80,000-$85,000 to invest.

You need to find a good Property Management company to keep you're place rented for seasonal rentals or long term rentals.  

I cash flow about 300/month because I pay for internet and water (long story on the internet part), yes I know I could increase the rent, but not yet.

It doesn't take long to learn how to spot a good deal.6.