I'm working on increasing rent but it will not be significant as I already did after the purchase, thinking about refinancing but interest rates are high now and I had the loan with 4.25%, contacted a specialized company to see if the property tax can be decreased, working with insurance company to provide 5% discount and tried the RUBS option but it's not common in STL but would to get anyone input/ advise on this situation. 

I can obviously start with a longer minimum and decrease it if need be later on, or adjust minimums to fill in gap periods.  

As you pay off each one, it doesn't do anything to decrease your mortgage payments right up until its completely paid off.

It’s not that market rent can’t decrease, it’s just unlikely.  

The recent run up in rates combined with the lack of a substantial pricing correction has caused cash flow to substantially decrease, often going negative for many properties.If you buy and hold longterm the fundamentals still support real estate as a good investment: the Greater Boston population is growing and there is still a massive shortage of housing (as reflected in rent prices, now #2 nationally behind NYC).I think neighborhoods in the path of progress (Roxbury, East Boston, Roslindale, Watertown, Everett, etc) are well positioned to continue appreciating if viewed with a 10+ year lens.Good luck to you and others searching, and make sure you are working with an investor-focussed realtor to help you weigh all the factors that go into a successful house hack / investment.

I've been researching this idea for a while but then I realized with taking a personal loan it ruin your debt to income ratio; which decreases your ability to obtain a property through the bank. 

If jobs increase rental prices will increase hence keeping in balance the ratio , however due to invester sentiment the ratio will still decrease further .

@Mitch Messer wouldn't it be best to just try to decrease the interest?  

Income will be left as retained earnings for the LLC.You and your husband when filing the tax return will have a 25% decrease in income due to the management fees and any expenses related as Landlord.But as always, speak to your CPA.

The next 3-12 months will be volatile and will likely see the median sales price decrease due to various factors including seasonality, higher interest rates, inflation, this year's property tax appraisal shock, etc.