That was the exception.

But the guests are not going up particularly much. to me the 800- pound gorilla in the room is still too many people piling in thinking short-term rentals are the answer. except for a few markets, and I'm not even sure about them, I am expecting a mega collapse in short term rental markets, and it's just a matter of when.

This means the NOI the property generates (all income less vacancy and expenses with the exception of debt service) has to cover the total debt service (including any seller notes) plus 25%. 

Be exceptional. 

I don't know too much about the rest of the state except that only Fairfield County is experiencing population growth - the rest of the state is losing population.

They’ve all been fine except for 1, even with a rent increase.

This is a plain vanilla cash out refi 30 year, except it's Boston so it's a jumbo loan because even a 1 bedroom fixer in Boston is a jumbo loan. 

I have no one to answer to except myself. 

At a minimum, I may  stop my 401k contributions (except for the matching my company gives), and focus on paying down the house.

There are a number of exceptions to the lost rent policy.