And the worst still awaits.On Tuesday, researchers at Goldman Sachs released a paper titled “The Housing Downturn: Further to Fall.”

HOA's are the worst! 

I'd keep it simple and just address it as though Mom is there 100% of the time since that is really the worst case scenario (Mom is an actual tenant with all the possible issues of a tenant).

There is no way $1.2mil over 3 houses  in vegas should only be cashflowing $3k, it should be $4,000+ in its sleep, which would extend all these numbers 30%, but again let’s assume worst case scenario.).

My worst-case scenario so far was a tenant paying $100 a month.

For example: After a ton of research, I have determined that for a low risk pregnancy a hospital is the worst decision I could make for myself and my baby.

The key is to (always) buy  with the worst case in mind, so if things go south for a while with the economy, etc, you're still in a position of having income, even if it's decreased somewhat.Remember, when housing goes bust, more ppl need to rent.

Some of them are great; some of them have been the absolute worst renters.

At worst the lender might request a letter of explanation, but that is a minor hurdle. 

Finding a renter is easy, worst case just lower the price, finding a good-respectable renter is hard and requires screening, conversations with people, and a little nosiness on your part.