I almost always raise rent at the end of a lease, and when there is a turnover, I raise the rent higher than I would for a continuing tenant.

Equity and retirement assets wont do anything for DTI unless youre retirement age, have a plan in place to create income via IRA distributions, and have a sufficient balance for the distributions to continue for at least three years. 

It would be an adjustable rate starting at current rates about 7%, with rates hopefully coming down through the next year, if I bought a quadplex in Toledo that i'm currently looking at for $380k, it would be grossing me $4250 a month with a payment back to Chase of about $2200, still in the green after insurance, property taxes and management fees, and the money i'm borrowing against will still be invested HOPEFULLY continuing to grow with the current stock market.Anyone ever bought a property with an SBL?

@Josef Bryan GersterI would continue to think hard on what else you can do to make the place a destination in and of itself.

Shellpoint has repeatedly cashed my checks (which were on time EVERY MONTH) and continues to fail to properly credit me (even though coupons were enclosed).

In my 18+ years as a Banker I have seen over 90% of my CA investors either move or continue to buy outside of the state.States like FL, IN, OH, TN, TX, AZ, NV all offer great LTR and STR options to capture a solid cash flowing property under $300K.

Obviously not something people like you or myself run into during our business activities but I remembered hearing that exemptions where out there during some continuing ed course some time ago.https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview#:~:text=In%20very%20limited%20circumstances%2C%20the,that%20limit%20occupancy%20to%20members.

Also at this time, your stock portfolio would continue to increase in value as well.Step 3:  Refinance your rental property. 

I am in the process of taking on clients for co-hosting in addition to continuing to self-manage my own portfolio want to get a feel for what folks are charging their clients.I've spoken to a few folks already that manage between 15-30 and I've received feedback that they charge anywhere from 20-30%.For context, I've already decided to charge a percentage of Gross Booking Revenue excluding Cleaning Fee.

Gas and water on the other hand can be a difficult, because everything is run in a continuous circuit.