To keep rates low, you may have to accept a pre-payment penalty or some closing points.

All materials are very durable and last for many years.Renovation cost is a function of the following:Property selection: We only consider properties needing low-risk cosmetic renovations—appliances, paint, flooring, countertops, and window treatments.Market competition and tenant preferences: Our finishes match what our target tenants expect and what competing rentals offer.

For those of you getting low projections, have you checked the market the property is in and the active listings on AirDNA, versus how many active listings there actually are? 

You’re exactly right, co-living only works long-term when the systems run tighter than the tenants do.In my experience, once you put the right guardrails in place, the model becomes low-touch and predictable.

We only accept Section 8 in Source of Income protection  cities.Section 8 in it's current form is the kiss of death for low income residents.

Quote from @Ethan Maciejewski: How do I determine if a tenant should qualify for a resident who has a low credit score but good rental payment history? 

That is in effect what you are doing when you allocate $0 for PM.Your maintenance/cap ex is far too low for 2 units (~4x low) if trying t allocate sustaining costs.  

@Bonnie Low  How does baselane handle credit card transactions?

Do you have a low interest rate mortgage on the property?

However, as I've addressed most of the "low hanging fruit" the upcoming projects I have planned are all major expenses, which I can't afford to cash flow.I'm wondering what my best option is here.