That's another $150-200/mo buffer you need.The real question you're asking is whether the upside of appreciation plus forced savings (mortgage paydown) is worth the hassle of being a landlord.

In those scenarios, you need to aggressively save for capex up front and have a buffer, because they'll be much more painful when you need a roof the sixth month you own the place, which is worth $100K and the roof costs $10K. 

Check out the recent YOY trends from 2024 and 2025 on Single Family Properties in NH. Supply is still relatively low for most of the state. We are only seeing supply in the "northern" counties. That said, supply has s...

To expand on this, do you create a buffer with your cash on cash estimates of rents don’t quite meet your mark and/or if expenses of the property are higher than expected?

DSCR Buffer TargetLenders may approve at 1.00–1.15, but many investors now target:1.25+ day one1.15+ under stressed assumptionsIf you can’t clear that, you’re buying optionality risk.4.

.-  Does the service make ridiculous claims like having data scientists and engineers on their staff?    

In buildings like this, it’s mostly about setting expectations, adding a few inexpensive sound buffers, and keeping emotions from overheating.

Then, you can find an app that will take the data and allow you to categorize the expenses.

In a nutshell, you can be successful, therefore, always have a buffer and closely monitor market and lending conditions.

Software can pull the data, but you still need to understand WHY certain comps are higher or lower.