@Michael PlaksI'll be holding my breath...

That gives a little more breathing room to do repairs, update, and find quality tenants.

Now if I can get the two other floors rented then I could breath a little easier! 

I figure using a joint mortgage gives me a little more breathing room for learning and leaves me with extra cash for a potential real estate market dip in the near future to purchase a second property (probably outside of LA though).

House hacking, specifically, is great because you get to live and breathe landlord life by living amongst your tenants; you learn so much over the course of a year. 

It takes a moment to get your footing as you realize you don't have someone breathing down your neck.

So if it takes longer than you want it to, just breathe.... thats normal, relax your timelines a little bit.4, as with any business venture ever...

Originally posted by @Maricela Chavez:Walt Philip, if they add it to the back of the loan, then I’m the one getting the screws, since I’m the one paying the mortgage.Adding it to the back of the loan gives breathing room for landlords with little reserves.

I didn’t realize it at the time, but it gave me a lot of breathing room.

I would bet the majority of the people in forbearance were people who were struggling pre-covid, and covid gave them a chance to breathe, and stop paying.