Are you buying properties to provide a sustainable income for your retirement? 

We doubt that  he sustained any injury on our property, he claimed that he was having surgery on his leg about 2 weeks before he sustained the injury, he may  even have moved out before the date of the injury. 

There certainly are some tenants taking advantage of the current ban on evictions, but blaming landlords is unfair when they are at the  mercy of the pandemic and Self managing is not for the faint of heart, and there is a lot to know to do it profitably and sustainably. 

When strangers move in together sharing the same kitchen/etc, then they do not have an established household system ("how do we live together") and they do not have the pre-established relationships to sustain them while they are establishing a household system. 

Once again, thank you for your thoughts and I do believe that deals that yield favourable cash flows will sustain any investor through peaks and troughs of the cycle.

If I were to become disable and unable to work, the IUL will allow early distributions of the death benefit to help me sustain my real estate.

The property is almost self sustaining in terms of the mortgage so I only had to cover a small number with my DTI ratio.

If your rent figures are realistic and sustainable, AND if there is value appreciation likely in its location, you might be OK hanging on to it until that appreciation occurs. 

The property's ability to be self sustaining, measured by the DCSR, is the dominant criteria for qualification and your personal status, especially the DTI, is of far less concern.

So my goal is to build enough wealth and sustainability through real estate to become financially free in the next 10 years, and quit my job.