I spoke with a long term lender and they discussed they see no problem with the numbers and the example is very common, but is there anything I am missing?

On top of that I was trying to self manage the property and was constantly having to get in touch with my tenants about late and missed rental payments.

So you don't have any losses for income missed out on- you just have less income.

A new article in the Wall Stree Journal outlines change to the way that FICO will be calculated, with mor emphasis on recent miss payments and debt incurred. 

Some of you are missing the point.

I am actively seeking someone that can do my taxes for this year, but also who can direct me a little bit for decisions in the future so that I can make sure I am not missing out on tax benefits and avoiding tax pitfalls.

Such as what to do, what not to do, something I might be missing.. etcAs always, I appreciate for all the people who're reading this and advices and knowledge.

What am I missing?

However, if I plug numbers into a rental calculator it all seems good.I’ve been reading and doing calculations, but feel like I have to be missing something. thank you for your time!!

Rather, I think this is more about discretionary investment income that you have the choice whether to just let sit in a savings account earning next to nothing so that you don't miss an opportunity when it presents itself.