The chart is correct, Austin has overbuilt multifamily units and it will take a few years for the supply and demand balance to return.

This is important to ask about.Pricing: Think of a chart with X and Y axes—X is your credit score, and Y is your LTV.

Luckily, this data is tracked by the Society of Actuaries and is demonstrated in the chart below.Whole Life Lapse Rates If we use an 11% lapse rate in year 1, 9% in year two, 7% in year three, 6% in year four, and 6% in year 5, that means that 1/3 of folks have surrendered their policies within just 5 years, long before breaking even.

I'm from Toledo check out the negative 20% on the chart here.

Wife and daughter don't like them as they make it hard to clean their hair of shampoo.

Is there anyway their hairs, sons/daughters, 20 y/o “husband” can become protected tenants upon their passing?  

This may seem like it's splitting hairs but I assure it is not, it's CORRECTLY setting the stage of comprehension, as what comes next will give this clarity. 

Sometimes you can tell because of rust staining and buildup on the outside of such affected pipes,   but even without that they can be weakened considerably from their original state.On the drain side galvanized branch drains  (1.25 through 2" galvanized pipes)  can also rust out or clog up as the rust on the inside is very rough and catches hair, grease,  and other debris and will eventually need aggressive rootering,   which if the pipes have rusted enough may open up holes in them.I should note CAST IRON (hub and bell) old sewer pipe,  at least the 3" and 4" stuff seems to have a bit longer lifespan than galvanized steel;  it still rusts but doesn't crumble and flake and encourage blockages like steel does,   so an old house with a cast 4" sewer stack you may be fine for many decades more if you just replace all the branch lines going into it but leave the main stack.   

He also had gray hair and a few decades under his belt.

I hate to pull the grey hair card but 20 years of collecting rent is 20 years, how many years have you been handling rental properties?