I was thinking there was a reason as a landlord to do this and make it easier to adjust rates since you are probably going month to month. 

Lastly, not to be judgy, but if you have credit card debt that you can't pay off each month then you probably need to adjust your spending habits too.

I've been trying to get up to speed on tenants rights in New York, which can help understand what is expected of the landlord, but would appreciate some content geared to landlords. 

Be sure to advertise exactly what SORT of charging your property offers as there are like a dozen possibilities.Everything past that is speed of charge or dealing with billing infrastructure. 

Prices may have adjusted, but my educated guess is that they have not.

The CPA will likely say, "it depends," but your wife could adjust your W2 tax withholdings so you get more of her paycheck every month.If you are really wanting to live for free with a low down payment, California probably isn't for you.

I believe AI may effect the economy, but people will adjust, so I don't think it will have a long term impact. 

Hey Kelsey, Unfortunately, it's not that simple, since you need to consider your AGI (adjusted gross income) to get the real savings here and that requires doing your taxes quite literally from start to finish.

Our rate is a 6.625% adjustable in 3 years. 

This will get you up to speed on how the finances will work.2.