On 4 it is $12,000/year.  3.3% depreciation is similar numbers - usually almost eliminating all your taxable income from financed properties after repairs and maintenance is factored in. 

Your position will be diluted and/or eliminated.

Note that in their latest meeting minutes, they are talking limiting to 5 unrelated people, and explicitly looking to eliminate for profit rent-by-room with exception being if the owner lives on premise.

Right now I’m guessing the best strategy is to eliminate debt thats 5% interest or more.  

It eliminates stress, unqualified applicants and liability for you. 

It was similar during COVID and the eviction moratorium.The process I followed is simple and virtually eliminates guessing and luck and has three steps:Identify a tenant segment with a high concentration of reliable people.

But you eliminate the liability risk from the equation. 

If you're up to the task, listing on Zillow or Redfin will be your best bet.There are numerous studies that show listing on the MLS will not only get you more net proceeds but also eliminate the liability from you as the owner by using a third party to sell the property.

I think that dual representation should be eliminated nationwide to prevent listing agents from dominating this business and pushing out great buyer agents.

That would eliminate probably over 70% of agents out there, however the remaining would struggle to absorb the volume.