The San Antonio market appears less vulnerable, although San Antonio RE prices don't seem to buck the trend of what happens in the TX leading index:I would expect home price appreciation to slow in San Antonio because of the decline in the TX leading index and the significantly slower job growth.

I am now at 2x my monthly expenses and I still feel I am vulnerable if I have a major problem.

In 4 months I will look better but the mobile needs to be moved prior to the rains and the road is vulnerable without rock.

So watch your leverage positions because they are most vulnerable to a crash..Just my humble opinion..

You are in a vulnerable position at the moment and I do not think it is wise to make decisions based on emotion versus logic.

Available at: http://files.consumerfinance.gov/f/201301_cfpb_final-rule_servicing- tila.pdf. 9 PROPOSED REGULATORY PRUDENTIAL STANDARDS FOR NON-BANK MORTGAGE SERVICERS IT Security Risk Assessment encompasses:  Identifying the data that needs protecting;  Identifying the entity’s outsourcing strategy;  Classifying and ranking sensitive data;  Assessing threats and vulnerabilities;  Evaluating control effectiveness;  Prioritizing risks;  Assessing the probability of an event occurring, and the impact the event will have; and  Identifying gaps in internal controls.

Whatever you think about the tenant's personal habits, letting that water continue to leak in, you leave yourself vulnerable in any dispute with the tenant, however unrelated.

Some investors will be attracted to a high yield but if that yield comes with a large personal liability for the underlying mortgage, an ownership share of a property in a poor area, or one that has a lot of deferred maintenance (all situations that may leave the investor vulnerable to a capital call) the yield will not be as attractive.

You should explain that you recently learned you must do this consistently whenever a tenant is technically in default, otherwise you might be vulnerable to Fair Housing complaints.

In my humble opinion, multifamily & self storage remain stable investments, and don't tend to be correlated to the single family market, and its vulnerability to changes in interest rates, which is why investors flock to commercial real estate niches such as these.