The office market is tightening a little bit so i am going to start transitioning into some other markets. 

You tighten up your screening criteria to only place the best tenant.

You'll probably want to tighten up your lease by talking to an attorney.Furthermore, I'm going to assume that a lot of these problems are coming from college kids that may or may not be very good with money and with behaving responsibly.

So we can be ra ra for beginners I answer a lot of beginner questions and sometimes will sit down and have lunch.. ( they want to buy me lunch but I end up buying since I can tell this would strain their budget)... but most that I see do well in Real estate over a career have gotten in the industry in some capacity...

Emergency services strain?

Our mistakes have been covered over by the hot market in the past, but we need to tighten up if we are going to thrive in the down market as well.

So even if the Rate moves up dramatically, and we have seen it in the 80s where we had double digit rates, this will definitely put a strain on anyone with Variable Rates versus fixed.What I have been contemplating is that most newbie Investors maybe using Variable Rates to increase the Cashflow versus fixed Rate mortgages.

I use Evernote and Expensify to help reduce the strain. 

I would not try and play the system to use it just to acquire property with the intent to rent it in a year because if everyone did start doing that they would probably tighten down on it and hurt the people that really have a legit reason like we did.

If you go check out the refiners in 2016 they aren't doing particularly well as crack spreads have tightened significantly.