Speak to me 

Other thing to note: I am ok with waiting a couple months to fill these vacancies, but by then it will be mid-winter (not that big a deal in Raleigh) but I understand there are probably fewer applicants during that time.She got into an accident, so she stops paying her loan?

If you're going into that line of investing, make sure you know what you're doing and, if you're learning from someone, make sure their previous roles included a formal credit background and not "I was flipping burgers at Wendy's six months ago, then I learned how to invest in non-performing loans."

Quote from @Sabian Ripplinger: with managing 5 to 20 properties, what is the best platform or strategy to use to streamline everything? 

Hi @Jeanetta Mandadjieva, welcome to BP!

I want to be transparent!

On top of that, HOA fees recently jumped by nearly $200/month—bringing the total to $649—which has completely wiped out the little cash flow I had left.

A couple of months ago I bought a house with cash and rehabbed it.

I currently use 10/10 commercial loans - fixed for 10y and fully amortized for 10y.

Highly likely you will need this to refute tenant's inevitable future claims you never responded to them.3) Try to work thru caseworker.