I would then stress test your deal using the ceiling rate.

Does the oil baron stress over the cost of gas? 

@Kalu Adane There are benefits to a first time home buyer, but they are not something to stress over.

He took a lot of stress off of me with that loan.

The one thing I stress to my sellers now as a listing agent working with tenants in the home is that I require my secure lockbox with a key; otherwise, it gives tenant too much power, denying access (different versions of, Sorry, had to run out, I'll be home to unlock door in 30 minutes, etc.) 

That assumes he is the sole owner and that he dies before his wife.One argument to sell now is to reduce stress in old age.

Not an ideal situation but it certainly lowered everyone's stress level once the money started flowing again.

For 13 years the financial and emotional stress caused me to keep my distance.

The problem is if you are sued you have already lost even if you win the lawsuit because of your stress, money out for attorney fees, and your time.  

This would prevent anyone from having to stress about whether rent would be paid or not.