It should be producing far better return than the passive s&p to justify the effort.Good luck

,We discovered over the course of this discussion that more smaller extra payments produces less benefit than fewer, larger "chunks". 

Ive never used a call to action or asked for business here.

But, in the US when a bankruptcy is filed, the court appoints a trustee to go over your finances and your actions leading into it, in detail.

Take action!

It makes it super easy for us to produce all the financials our Clients need for their tax pros to file their tax returns.

I put the cash from the refi back into more mutlifamily units that produce more rental income. 

I never make a loan, no matter the equity position, that the past actions of the borrowers lead me to wonder if they will be likely to pay me back. 

Books + podcast + real estate investor meetups = taking action.

If your leasing application process is thorough and well thought out, and if your lease agreement has been well drafted by your local attorney and if it includes clauses that permit you/your property manager enough latitude to maneuver and anticipate undesirable tenant behaviors, both actions and inactions, and you have operational processes which align with enforcement of your lease, then you've done all you can do to reduce this inherent risk of an undesirable tenant.