A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

I believe people are made stronger when they experience difficulty and have to make their own pat.

If they have nowhere to go or don't know how to find a next place, and no relatives who are helping them, you will be the only person that goes the extra step to help (even with advice) which means you will get the sale at a better price and help someone.

It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

The tenants have paid and if someone is thinking about moving out then an extra surcharge that hits if they aren't out in time for us to turn the place for a lucrative AirBNB short term rental can help massage the move out timing.That said with MTR we do not have the cleaning costs that eat up a lot of STR gross, and its lower hassle in some ways.  

Earning an extra 3% on $2k that you’re likely holding for less than a year.

I can definitely enter other markets, it's just gonna take some extra digging and research to find the good ones to work with. 

However, I definitely recommend pictures any time a guest left damage or extra cleaning that will result in additional charges.

Tons of double sided tape used which results in a fair amount of extra effort to restore (most cases paint comes right off the wall requiring patching sanding etc, some cases Good-off was effective.

Otherwise, you won't have the extra funds necessary to cover the rising costs of goods and services in the future.What causes rents (and prices) to increase?