It's not "our" conversation and I personally love your insights, whether I agree with them or not.You know I think you've created your own mix of lifestyle/investment purchase.

You shouldn't need to send multiple reminders; tenants are generally aware of their rent due dates and are conscious of any delays.

Financial freedom goes beyond simply replacing your current income; it's about sustaining your lifestyle for life.

My philosophy is to take the minimum risk needed to achieve my lifestyle goals.

Eco-conscious renters are drawn to sustainable living options, and promoting the long-term energy savings and reduced carbon footprint can set your rental apart, making it more appealing to premium tenants.

Unfortunately most have made lifestyle changes relying on checks that will never be cashed but can't fault the inexperienced investors with the amount of materials online, social media etc. where coaches, mentors and gurus share the ease in which they generated massive wealth in these neighborhoods.

But I have a very low opinion of guru types (high priced, lots of upselling, big promises, selling a life style in their ads more than information, etc.) 

Quote from @Jake Barrutia: It is totally acceptable, but you need to be conscious of a few things:1.

Are you looking for more cash in hand to boost your lifestyle?

., so only you can decide what fits your budget and your lifestyle best.