I have some that are newer, but they were poorly insulated in the floors so a downstairs tenant can hear the upstairs tenant close their refrigerator, have a phone conversation, or make babies.

Tenant's dirty clothes are all over the floor, people got to step over it, smelly dishes in the sink for weeks, and people had to hold their noses to see the place in addition to seeing my filthy tenant with his foot long beard.

The 20% is a buffer for idiots who wash clothes 9x per day as well as a fee for your time to administer the utility payment program known as scheduled transfers from your online banking.

If there were  tiny baby in the mix , I seem to recall there could be protections for the baby not to count as an occupant?  

Please note I am reading from a kindle as that is the most convenient for me in terms of portability and being teething baby proof.

@Avery Manison Here is my "starting up" collection:Read ideal-vs-desperate-investor (http://greeneincome.com/index.php/2018/10/29/ideal-vs-desperate-investor/)Read Dave Ramsey book "The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness." and complete the baby steps there.Read Scott Trench’s book “Set for Life.”Finish the school and get your degree - you'll need it later, especially if it's business management.Get a job first where you have W2 income.

Beanie Babies? 

Our local economy, by my estimate, is about 20% shipping/imports, 30% fuel production, and 60% petro-chemical (plastics, clothes, 95,000 different chemicals extracted from oil, etc).

What are everybody's thoughts related to the Baby Boomer retirement period we are currently in, and its affect on the real estate market?

The tenants in the front one bedroom are asking to use one as a storage as they have a second baby on the way.