The rent covers the mortgage, insurance, and HOA, but after paying for property management fees I am losing ~$200 per month, and have little for CapEx, vacancy, and repairs, although it is newly remodeled.Based on my research I know that it is not smart to rely on property value appreciation to justify the negative cash flow, so I have researched ways to try to improve my cash flow:Increasing rent is not an optionProperty management is necessary as I live out of the countryRefinancing doesn't seem very advantageous, my mortgage is a 30 yr fixed rate at 4.375% and the rates in Denver only look slightly below that for attached homesRecasting the mortgage seems like a decent optionUsing this calculator it looks like I could go from Principal and Interest of $1,541.79 down to $1,317.05, for a monthly reduction of $224.74, achieving a slight cash flow positive, if I invest $40,000.

Your investment can offer much more security and give you more options if you were to lose your other source of income.

If you do, you just paid a lot of money to lose money in the hope that in the future you might make money.

Never invest with money that you can't afford to lose.

My wife also fears losing everything so I’ve had to paint the picture of the risks associated with not doing anything too.

Then you will have a track record of winning and losing.

Owner loses thousands.3.

Not posting on Zillow to avoid a $10 a week fee would be penny wise and pound foolish in my opinion.

I only give them a short time (about 5 days) to meet for the lease signing before they lose their exclusive rights to the unit, so this prevents someone from dragging their feet after they've signed the contract to hold.Once the lease is signed, I take down the ads and send out emails to people in mid-marketing flow letting them know that the apartment has been rented but I will reach out if something falls through.

I feel as though the notes market is in an interesting position right now financially - millions of layoffs, with potentially millions of people losing their homes.