A few more seasoned investors have told me, perhaps controversially, that most cities place such onerous zoning restrictions and are completely inactive in aiding affordable house because lower income and lower-mid income residents are such a net loss to the cities, i.e. little tax revenue and big consumers of city services.

Im in a similar situation with a municipality, but if you are able to cover health insurance through the service, that makes the transition out of the traditional W-2 much more feasible and also covers all of your bases.  

I like IRA Services Trust Company.

I'm in my 3rd year of doing it like this and my properties are still using way less than the 10% because almost everything is new when I put them in service. 

Don't bid right away, ask negative questions about the property's lack of services, and make your house look like complete trash on the outside.

Great service and even better pricing.

No problem at all and Thank You for your service!

The membership also gives you discounted tenant screening services (credit score) and they offer a landlord training course called Rent it Right.  

This says at the 5 year mark your NOI is 29354, expenses are 21474, debt service 21451 for a cash flow of 8490.

The issue you may run into is the 1.25 Debt service coverage ratio required.