Wishing you health and wealth in the new year!

We have a lot of single mothers who are nurses/senior health aids/hospital aids/more who have proven to the be the best tenants by far.

It was similar for COVID.When you buy a property, many other important factors are fixed and cannot be changed, as illustrated in the diagram below.

There is no such thing as FREE college, FREE food, FREE housing, FREE health care.

In my opinion, a more moderate quarter-point cut would have signaled confidence in the economy's underlying health.

And in return I think the health of the overall housing market will benefit as well. 

Currently, one of my long-term employees is on the brink of financial bankruptcy due to the significant health care costs associated with her teenage daughter’s severe mental health illness.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I have most of my tenants through local mental health/addiction services, and those tend to be better than the randoms from craiglist, as they typically have a case manager to check up on them occasionally...

This is a garden home and the yard is fenced in with a 10 foot privacy board in board fence The neighbor stated it was making her violently ill and that it is a health hazard for her as it was coming in through her vents and or windowsshe has also been known to harass my last tenant, and sending us text that trees are too close to her home telling us that we need to cut it because there were branches over her skylight and she claims that it was scratching the cover. she called the city when the last tenant had to sell all of her items at an estate sale due to loosing her job and having to move from the property and cited that she was in violation of city ordinances due to not informing the county of an estate sale.