DIY property management can be stressful and time-intensive, especially if you are managing multiple properties or live far away from your investment.

I like to call this a nice safety net for those that our younger and looking to save but fear locking up all their capital. 2) Keep in mind to contribute directly to a Roth IRA, you need to be under the Modified Adjusted Gross Income (MAGI).

Despite current unemployment rates maintaining below 5%, the recent rise from 3.8% to 4.2%(recently revised to 4.1%) is significant, especially when considering wage growth adjusted for inflation.Over the last few years, the median household income has dropped by 7.2% when adjusted for inflation (and this isn't even considering volatile food and energy prices), a troubling trend given that inflation has outstripped income growth.

Biggest thing is adjust pricing appropriately. 

Over all, a portfolio of DIVERSIFIED (as to residential areas) properties utilizing a buy and hold strategy should provide an adequate risk adjusted return without utilizing any other “opportunistic” strategies to “gig” the ROI.  

To adjust your tenant screening criteria without any fair housing issues, it’s best to apply the new credit score requirement consistently from now on, treating all future applicants the same way.

The important thing is to adjust accordingly because there usually isn't an exactly identical rental property.The good thing about rentals is that you get feedback about your pricing quickly and can react accordingly.

@Joseph HenryIt works the same on an adjustable rate mortgage - if you pay extra it reduces the principal balance

It is not uncommon for rates to rise this close to an election, then adjust back down right after.  

If not I will adjust my plans and continue this real estate journey.