My wife and I were both teachers at the time and found a great house in an “emerging” neighborhood.

I keep a portable AC (or 2) in storage at my places and whip them out during emergencies for guests. 

However, if circumstances do indeed change over the course of the loan, there shouldn't be a penalty involved if you move into the property down the line for unforseen / unintended reasons (such as maybe in a couple of years there is a family emergency requiring a need to temporarily move into one of your rental properties etc)

Hi Michael,I live, work and invest in Panama and think it is an emerging market.

We have almost $3,000 into attorney fees so far and Cuyahoga County has blocked the emergency hearing so that we can all get on a call and kindly ask the fraudulent lien filer, Garrett Neal of San Diego (dba Neal Aviation), to please remove the mortgage lien.

Yes, they can get emergency care regardless of ability to pay at an ER just like everyone else.

I don't need it immediately but likely in case of emergencies or vacancies. 

I do recommend you stop accepting made-up excuses like family emergencies, car repairs, or whatever.

Networking with other investors and seeking advice from financial advisors can provide valuable insights and help you avoid common pitfalls.Keep an eye on your financial health by maintaining an emergency fund and avoiding over-leveraging.

Have the tenant sign off on a move-in checklist to avoid disputes later.If your not using a property management company, you will also want to establish a plan for handling maintenance requests and emergencies.