I mean, cool. You're The One Good Landlord who is doing everything at cost and simply extending your credit to friends and family. I suppose I never found this kind of place, because I wasn't immediate family or friends with someone who could buy and let property to me under their credit scores.

We charge just enough to cover mortgage and maintenance.

That's not traditionally how the good folks at Brookfield Properties or Invitation Homes do things.

The payoff comes after we retire.

So its less that you're not making money, and more that you haven't realized your gains.