Your rentals cash flow $7000/month, according to the banks once you factor in your other income you have $18K a month...where is that money going? 

It's true that it is much harder to find quality tenants during the holidays, so factor that in.

However, in my experience, the MOST important factor in the safety, security and property protection is tenant selection. 

It really comes down to what lifestyle do you want and what are you willing to sacrifice.

In your experience, how do you weigh each factor—like FICO, LTV, or prior bankruptcies—when making a decision?

It's a great way to get started if it fits your lifestyle.

Financial freedom isn't just about replacing your current income; it's about maintaining your desired lifestyle for the rest of your life.

When I evaluate the options, house hacking consistently offers the highest risk-adjusted return, 10 times out of 10.That said, it seems like house hacking might not align with the lifestyle you envision: “I can’t afford a place with enough bedrooms in a single unit in the areas I want to live.”

Do you find that certain factors weigh more heavily in your decision-making process for these types of deals?

It’s typically just a cost that we factor into our rent amounts.