I highlighted two common exceptions in my earlier post, but doesn't sound like either scenario applies to your case. 

There is no 100% guarantee out there.Managing your property properly and having great insurance are probably the two best ways to protect yourself.

If those two things are in your favor, you will do well.

If they have been there for a day longer than 1 year, they must get 60 days' notice; if they have been there for a day longer than two years, the landlord must give 90 days' notice. 

Just curious why you're looking at those two banks for credit cards?

The short answer is I look for 9% min and try to press it to 11% with those strategies along with rental increases once improvements are made and the tenants know you actually care about the property.

I am going the exact opposite direction, we have two accounts.

I will split a giant master room into two smaller rooms and will convert the living room to get the additional three rooms.

Hi Ben, doing this for 20 years, I’d say if you move forward, refinance your two rentals to the max they can handle under a stress test for mortgage payments.

These two things can do worlds of good for a high net worth investor looking to maximize tax- deferred/tax-free growth and minimize general taxes from operations.