Don’t feel stuck, assuming equity increases and depending on your future loan to value, you can always refinance and other options.

This is also impacted by how old your home is, so that was likely a factor for me.From what I can gather, it's best to increase my personal liability for now and require the tenant to get renter's insurance to secure their own belongings. 

I’ve considered living in a trailer and renting out every room to increase cash flow.

On average, homes in the area have seen an increase of 8.18%, significantly higher than the national average, which typically ranges between 2-3%. 

If the owner lives in town, you could even go knock on their door, I find this to be extremely successful when you are going after foreclosed properties.As to your 1st post, you might want to look at city data for growing markets, It looks like Rochester lost population last year, vs if you look at sunbelt cities like, Houston, DFW, Austin, Miami, Orlando, Tampa, these cities saw at a minimum 1% population increase.

This limited inventory will likely continue to drive prices upward.Sales - Median $/SF by MonthThe $/SF increased MoM.

There would be no mortgage insurance and you could use multiple business accounts to increase your income.

But the city has risks too: historic tanneries, dry cleaners, gas stations, garages, workshops, any kind of industrial use - always be suspicious of what people did with chemicals back in the 50s and 60s when the general population had no awareness of the damage

We found in our research that even at the increased price-point, a mountain view is worth its weight in gold.

The population growth, tech company migration from CA, and infrastructure investments make for a solid long term market.