Total

Actual cash flow since 2010 was just over $500 total.

You are afforded the same benefits as any landlord, (i.e. depreciation, operating expenses and such) with the caveat that it will only be a percentage of the total property.

price 23k ARV 200k+ needs total rehab !

The Cash Value amount is roughly $2,000 less than the total Premium amounts she has paid (i.e.: Cash Value of $27,000 and Total monthly premiums paid for 10 years = $25,000).Where is this gap coming from?

I do know our local companies charge nothing upfront except a small advertising fee, and then take 30% of the total receipts.

We own 4 SF and 2 MF for a total of 8 units.

If you are ever in a position where you come into a property after its been rented for three or four years and you feel a sense of personal loss because something's been beaten up, or knocked around, or treated with total disregard, you're way too personally invested in the rental's decoration and not interested enough in how to make money with your rental.

Currently 3 Rooms rented for $485 a room, total of $1455 a month. 

Building built 1920- totally renovated to studs in 2012.