If that's true, and I believe it is for any business (or household), then Cash Flow is the "higher King".

If we do see an impact, it'll be quite a few years because that generation will not be forming households for about two decades.

We started the comprehensive renovations by gutting the vacant units and preparing the exterior.

@Max Householder thanks for the recommendation.

I’m thinking once we retire we can live off around $60k-$75k (in today’s money) household income assuming no debt.

I dont suppose you have a comprehensive bibliography of all the books mentioned? 

To give a breakdown about my current status see below:-I’m 25 with a fiancé and 1 yr old -Credit Score is 637-First time home owner (6 months in)-Loan Balance is 199,740 @ 5.5% Interest (1550 monthly payment) (FHA Loan)-Appraised Value is 235,000-Currently household income is clearing only $626 a month after bills & living expense.

Bytaking a more comprehensive view of your credit history, FICO®Score 9 evaluates your creditworthiness even more fairly"So those of you collecting rent payment may want to share this booklet with your new tenants and stress upon them that you will be reporting their payment history to FICO and it can either be a good thing for them or a bad thing for them.In case you are curious, here is an article on how to report rent to FICO.Hope it helps someone!

I've used their reports to choose my tenant and the report is comprehensive and thorough. 

There are plenty of books with general information on household systems and supplies for small household projects are not expensive.