I considered starting out house hacking a MF, but it will only increase my monthly expenses, not lower them or provide cash flow. 

By effectively utilizing space, we can often increase the number of units or functional areas within a property without expanding its footprint.

I own two properties there, but insurance costs have skyrocketed.Lately, securing home insurance has become increasingly challenging due to the high risk of hurricanes, flooding, and other factors.

That way you don't increase your payment unless you pull money out.

Meanwhile, the more partnership-heavy investors often experience setbacks but use the leverage of partnerships to rebound.To me, partnerships increase both risk and reward.

For me, I could handle the increase in cost and still pay much less than If I got a 4/2 SF.

It has increased steadily over the past couple of years and is now at 3.90%.  

We've since increased their rent to market rate, and now we're experiencing late payments.Family Member as Tenant:Issue: Our family member is behind on rent for more than 5 months, with a rate below market due to their relationship with us.Behavior: They have made excuses about financial struggles, yet have been seen treating their new girlfriend to fine dinners and outings.Impact: Both tenants consistently pay late and have shown complete disrespect to us, the property owners, despite efforts to ensure their happiness and success.We'd hate to impact our relationship with them, but right now, they're hurting us and our pockets. 

I think the story across a lot of the upstate is similar, net exodus from 2000-2020, followed by a surprising increase in prices and population growth following the pandemic as people (and companies) searched for affordability. 

That will most probably be offset by an increase in new mortgage costs and increased rates.