The spouses job seemed stable but we found out she inflated her income so decided against it.

I find it useful because the format is simple to review, easy to modify and the calculator considers 1) property annual appreciation 2)rental inflation 3)bank deposit int rate 4)general inflation 5) individual marginal income tax rate etc.

Some would argue runaway interest rates might do that--and there might be some validity to that argument, but if that does happen it's most likely a result of runaway inflation, which likely also means some pretty healthy rent growth. 

When this is happening, due to bidding wars and raised competition, properties would start selling for slightly increased inflated prices (not like the high we were seeing in January) - thus also helping appreciate houses bought during the SIP.

A person who thinks by listing a vacancy is CL & a few other sights is what I do are comparing an inflatable kayak to a super tanker. 

However my original post was using these to hedge against inflation as a temporary place to transfer your money into while another 9 trillion is pumped into circulation which will inflate the price of everything.I believe that we should see the real recession coming at the start of 2021 as more people are unable to keep up with living expenses as salaries remain the same.

I'm not saying to overleverage, but keep in mind you are then spreading your equity out over more properties to lock in historically low-interest rates, that can cashflow better, that your tenants can paydown/off for you, and that can provide an inflation hedge in the future. 

The prices on the couple of streets that students are interested in living in are extremely inflated compared to the rest of south bethlehem, and ultimately sellers were afraid the appraisal wouldn't come in at the price we agreed upon. 

All this together with exponential growth of US credit market debt, at all time highs, with rising Inflation and stagnating wages, will ultimately lead to a depression.If you want to discuss more about it, I will be glad to discuss it in this forum!

One thing to consider is that I believe the costs for running electricity is inflated, however I have left it as a conservative estimate for now.