There are going to have to be cuts in cost so I predict an increase in automation where possible and a larger shift to part time work where they are at least saving on benefits and there are no chances for overtime. 

I am becoming worried about the huge cultural shift against landlords. 

I did take time to reflect “did I think or do I think money or people with money are bad” and I think potentially in my teenage years I saw some of those thoughts and then around 23 I saw a shift as I experienced amazing generosity as a missionary and made more relationships with people far in their careers.

Even if mortgage rates go up and half the people buying can't afford to buy, that's enough to shift us into a balanced market, which would stop appreciation but not cause a dramatic drop in prices.That's just my two cents and it only applies to my market.

Outside of school, I shift my interest towards financial investments such (stocks and real estate) and I’m just learning as much as possible.

Hi Joseph, I'm very familiar with this kind of loan, I would recommend you to avoid it unless is a very small renovation, under $30k which is the streamline program.

The nurses stay upstairs during their 24 hour shifts, and the 3 bedrooms on the first floor unit are used for assisted living patients.They have been doing this for 3-4 years and their rent is currently below market rate.

But also try to keep it stream lined so we can get to 4 at a time.

You can stream line between tenants if these utilities stay in your name, and you can keep an eye on usage. many utilities require a deposit so tenants may be discouraged having so many deposits to pay up front.

and so good, for someone in your situation its really worth the mindset shift they discuss.