The chart below shows a massive drop in ARM loans after 2008.The chart below you can see the average credit score go UP since 2008 for mortgages.

Massive kudos to you and your wife Franky!.

However, values of the properties are going up massive amounts with the recent rental growth.

Once you gain some wealth you can afford to get better protection.Nothing will protect you from doing bad things like driving drunk in a company car and hurting and killing someone, or ignoring safety codes and killing folks with carbon monoxide poisoning from a furnace, or burning the house down from ignoring fire codes, but running your business correctly, buying insurance, and using an LLC properly will provide massive amounts of protection from liability. 

Baby boomers coming to retirement age and pulling out massive amounts of money from the stock market would cause a crash due to large selling pressure.

So your HELOC must be massive to have been able to use it for an 8 unit and 2 SFR correct?

That has a massive impact on the calculation.

A massive 25-year infrastructure project has put toll road access into rural lake county with later plans to head up through Marion.

The main was a 3/2.5 with a massive living area, and there was a huge 800 sq. ft. shop in the rear--with a bathroom!

Basically selling Option premium for income.30 minimum.  40% doable.Warren Buffet does sell Option Premium.