Land doesn’t depreciate, and while buildings require maintenance, they usually gain value as markets grow, demand increases, and inflation takes its toll.Real estate investors benefit from a significant tax write-off based on the concept that properties lose value over time, even as their market value skyrockets.

The nice thing is your equity will likely grow quickly in the area. 

If market is $6K then you're not going to get a new tenant to pay 23% above market value for it, and I don't know any market in the nation growing rents at 23% annually.

This is more about riding the wave of a growing market.2.Forced Appreciation: Actively increasing a property’s value through strategic actions like renovations, raising rents, or improving operations.

You gain experience for the next one.Fear’s just a sign you’re growing.

I have a similar background (but am much older) and did not start growing my own personal portfolio till I was closer to 40 and in less than 10 years I could sell all my real estate and retire if I wanted.

Anyone would consider a nice finished room with great natural light a bedroom, but in the off chance the tenant doesn’t pay rent then I would be in the wrong for letting he/she live there in the first place.

I would forget about growing the portfolio and generational wealth until your husband finds a job and you reduce your credit card debt.Credit card debt has interest rates above 20%, there is a strong case that your rentals are not generating a 20% return.

Being that it's upstairs, that unit will naturally be able to control it and the bottom won't.

Most of the negative feedback on BBB has to do with their lack of responsiveness, which could be a growing pain issue since they are affiliated with at least several large REI groups that I am aware of, so are presumably overwhelmed with new business right now.