The whole life insurance game is a lot of smoke and mirrors in my opinion with no real explanations on where your money goes.

With regard to giving a tenant leeway, its very short sighted to evict a tenant with a VERY strong track record for a VERY small shortfall one month, especially when they have been communicative and given you what sounds like a reasonable explanation as to what is going on.

They pay close attention to all invoices I give them, and we have a good relationship in which they feel comfortable questioning me if they need further explanation in any case that they may feel an invoice might be a bit high (by the same token, they have also brought it to my attention if they feel I have undercharged them at times...this doesn't mean they want a larger bill, they just want to be sure I am aware of it and perhaps give them an explanation why).

@Vanessa SwitzlerOut west Reno, NV is landlord friendly, tech and manufacturing job growth, 4th lowest property taxes, good weather, and geographically limited new construction.

If geographically agnostic, I did a study just a week ago on the state of the duplex/fourplex market in the Killeen-Temple area.

I was able to secure the deal with him for $105,000 then, a few days later I used  Sean Terry’s real estate retail buyer program script he intermittently gave away during his explanation video.  

My mentor says you can get more cash flow and liquidity with SFH vs Multifamily, since brokers seem to want a certain cap rate on sales accross a geographic area vs when working with SFH sellers, they're more flexible and motivated based on individual needs.What are your thoughts on buying SFH vs Multifamily?

Again, thanks for your help and explanation.  

@Doug Smith Thank you so very much for the detailed explanation.

I receive countless emails from lenders daily with their rate sheets and promotions for specific borrower or property types, geographical areas or loan types.