Healthy industries get more and more competitive as more companies enter the market.

For me, after 18 years of selling, I've found a company that not only offers a better split and complete return of the company's split that is awarded to high producers, but also offers an opportunity to have a healthy passive income long into retirement. 

Rents in my market (Phoenix) are improving drastically at the moment and appreciation has been EXTREMELY healthy over the last 5 years.

I also expect values to continue to rise at a healthy pace. (8% collectively on my investments last year alone)The Evidence: Supply is literally limping along at this point.

As a fan of RK, and being a capitalist myself, I have to admit one must maintain a healthy dose of skepticism when a capitalist lays out a strong or controversial position on a topic, then works in a product or service to sell you that coincides with that position (much like when a socialist makes the argument that centralized power, under their control, is for your own good).  

We usually have a fairly healthy reserve which is essentially our set asides for maintenance, capex and so forth.

Most lenders only require 1.2 in most cases - that doesnt make it a great deal , but if you know you can increase rents or drop expense to 1.7  you will be on solid ground ,, ( we all see what can happen ) The extra .5  lets you  stay healthy and wealthy  

So I still have relationships from my past I just limit them in scope and have healthy boundaries.     

Think buy with intent to do some small cosmetic changes but capex is healthy and sell, or hold and rent.

Interest rates should be above 0 because that is indicative of a healthy economy.