So what many do is they try and do it on the cheap, and get death by thousand needles instead of making the investment.

I am 22 Y/O with no bills aside from my car note/car insurance and my EZ pass tolls.

Let's analyze each issue you've mentioned:1) Tenancy Length: besides issues a landlord can't control, like death, sickness, job loss, etc., the actual management of the property & tenant play a large roll in how long tenants stay in their home.

time of year .. this is the worse month people dont move at X mas should get better going into first of the year.. starting to high is the kiss of death generally speaking

Not planning on doing title insurance since we have owned the house for 50 years and we just did one at date of death.

It truly shows your commitment to provide your current and future clients a better experience.I know that online reviews can take the best of one's head space and it can take a toll on the business. 

Death by 1000 cuts.virtually everyone recognizes that placing all eggs in one basket elevates risk.  

It won't be as much death benefit as you have now, but it's better than losing the money completely.  

Bloomington has milder winters then we do up here in Chicago, but still gets snow and cold, which takes a toll on the property.  

For instance, things like death, divorce, job loss, natural disasters, heath issues, etc may cause you to change your plans unexpectedly and may change what you do with your home as a result.