So I am now teaching, which cut our household income by about a third.

**may be exaggerating just a tiny bit  

Anything sub $200k should be a easy/tiny house unless it’s in a real shady neighborhood.

The way I operate with my household (and future rentals) is using multiple "micro savings" (--> MS), each with its own designation (e.g. yearly expenses / vacation expenses / general savings etc).

If you keep it segregated, that works out to 20 as a household (10 for you, 10 for spouse).

They are going to use the profits of the sale to build an apartment over the existing attached two car garage OR build a tiny house on my property.

In the last recession/depression households consolidated for the most part. 

One of the big demographics in the area that also seem to impact the potential for growth is the household median income.

You are negligent in your tenant training.No household furniture permitted.I would suggest you keep up on your quarterly inspections as she is likely a slob and you will need to police the entire unit. 

Not those sleazy grimy SpeedyCash type loans with 700% interest written in teeny tiny fine print.