Heels and welcome!  

I don't feel great about the underlying economy supporting the current stock market spike.

BTW a bank does not have to make a loan - but packaging mortgages was the most lucrative business - which of course led to the crash - banks did not care to whom they loaned - they made so much money on the tranches, they just needed to keep inventory coming so they could sell it to the stupid well heeled investors - it is mainly the banks that brought the crisis to us, by not having to make a buck - by lowering their criteria and lending to people they clearly should not - but as they had no skin in the game once it was tranched so who cares!

I tell them, hey, I'm not a bank.We used to do perform->pay, and then we got into some very, very bad situations where the customer drug their heels paying us (The worst case was a guy paying out of his IRA... checks took 6 weeks to issue) and put me in a cash flow nightmare. 

They are more subtle than the generalized macro US market chart I posted, where they are more like spikes.

It seems to be my Achilles Heel as they say.

If you aren't sure you can be disciplined enough to move the increase net you'll receive in doing so, into your savings account, then arrange for it as a direct deposit (from your employer) or automatic transfer (with your bank).On another note, you're subject line was too enticing to resist, so...FHA, MULTI-UNIT PROPERTY, AND A LOW CREDIT SCORE walk into a bar… LCS is head over heels with MUP, so when MUP nods toward the bar, and asks LCS, what she’s drinking, LCS is tickled pink and responds that she’ll have a cup of humility and promptly consumes it.

If you're dealing with low income tenants anyway, a spike in monthly rent in the winter time might not work so well.

During times of turn over, within my rentals, it will spike but I probably spend 4 hours a week managing my 16 units. 

If you look back above at the May 2016 data when I first said this, you don't see any upward spike.