I assumed I could cashflow for 20% or more, so I want to see if I need to adjust my expectations based on the experience of others. 

It may be best for person A but not for person B.

For me, though I would take this as a learning experience and work to remediate the issues and try to keep this tenant.

I was interested in other people's personal stories on how they were able to attain some of their early on rental properties with no and low money down. 

You need to keep in mind the person that was living in your property is a seasoned lowlife.

According to the Fair Housing Act and the Americans with Disabilities Act:Even if a landlord has a no pet policy in place, the law does not consider service animals as pets and therefore the service animal is exempt from such a restriction.Service animals are allowed anywhere a person would go, including food areas that would normally restrict an animal’s presence.Landlords cannot charge a pet deposit or pet fee for service animals, however the tenant is liable for any damage that the service animal may cause.Landlords can require written verification from the tenant’s health care provider that they are disabled but cannot ask for any specifics about the disability.Landlords can require written verification from the tenant’s health care provider that the service animal is needed.Landlords can request copies of the animal’s health records to prove the animal is in good health, parasite-free and immunized/vaccinated.Landlords can write warnings or even evict a tenant with a service animal if the animal is disturbing others, posing a threat to others or causing considerable damage to the property.In other words, you can ask for appropriate paperwork concerning the tenant’s need for the service animal and to verify the animal’s health. 

With your passion for learning, you'll find a wealth of knowledge and experiences shared on the forums.

My personal opinion is owning your home outright is an amazing feeling and impressive feat.

If you have, what's been your experience?

In my personal opinion, that's kind of the way wholesaling is able to work though.