I am an independent personal trainer but have made the transition to working in a gym.

I am a certified trainer and just as I watch my meals and track workouts the same concepts apply to money.

Training is a class/course, etc.

Heat and water are included and I'm thinking about adding an additional fee to cover some costs for the heat or water as the rent prices I'm charging are pretty much on the high end.

We rent in B neighborhoods and while tenants pay good money, they also have high expectations.

I think the same thing is happening in CA in high fire areas, where we also have another rental property.

However, due to the high interest rate, the property doesn’t cash flow — if I moved out and rented it as one unit, it would still be losing a couple hundred dollars a month.I’ve saved enough for a down payment on a second property hopefully within the next 1-2 years and also opened a HELOC on my current home to cover any potential repairs or upgrades on the next.

Because the Property Class dictates the Class of the tenant pool that the property will attract.

I'd also look at the asset and more at Class A to B properties, and be cautious of Class C (I will never buy a Class C or D property again). 

Because the Property Class dictates the Class of the tenant pool that the property will attract.