I still listed them in expenses below for clarity, but if you’re running your own numbers, don’t double-count them.Operating Expenses (Professionally Managed)Property Management: 10% ($297/month)Maintenance Reserve: 5% ($148/month)Vacancy Allowance: 5% ($148/month)Taxes & Insurance: $559/month (already included in mortgage payment)Total Monthly Operating Costs (excluding double count): About $593If you include them anyway, total would be about $1,152, but again — taxes and insurance are already baked into the payment.Cash Flow SummaryGross Income: $2,965 (current) / $3,300 (market)Operating Expenses (excluding taxes/insurance): $593/monthDebt Service (mortgage + carry): $2,271/monthNet Cash Flow: +$101/month now, +$436/month at market rentsCash-on-Cash Return: 1.9% now, around 8% at market rentsWhy I Still Bought Over MarketEven though I paid about $25K over value, the creative financing saves roughly $10K per year in interest versus a new conventional loan.

Others don't mind having slim margin due to appreciation the area.

Speed, clarity, and consistent follow-up seem to make a huge difference now compared to the past few years.Curious to hear what others are doing to adjust.

As you continue to save, you have time to add clarity to your first deal!

Many private lenders would rather restructure than risk a default or legal battle that nets them nothing.Get legal clarity - Before listing, confirm your state’s foreclosure and lien release procedures.

Time management in real estate really comes down to clarity, delegation, and consistent action — once you have those in place, progress compounds fast.

Quote from @Landon Hale: Quote from @Michael Plaks: Quote from @Landon Hale: I am looking for some clarity on the REP status.

If they resist clarity, that’s your answer.

Reach out to me if you like : DM me and we can get on the phone for Clarity! 

As you're considering different strategies, I'd recommend connecting with an investor-friendly lender who can look into you DTI and give you more clarity on your loan options.All the best!