I thought I would have a pool of good candidates after the new year (it was the case last year around this time) and I would have no problem placing a qualified tenant by Feb 1 or latest early Feb but the activity level has been very low.   

Bought my first house in the LHV last year, would love to connect with others.

Both times the tenants had renters insurance in place which took care of the issue so my client (the landlord) did not have to get involved nor make a claim on the landlord policy.We are very much in a hard insurance market right now - many carriers will not accept a new policy from you if you have a property or liability claim within the last 3 to 5 years (depending on the carrier) so you really don't want to make a claim right now if you don't have a large loss or can get it sorted yourself.

While most medical professionals are good about planning for the future, the nature of how contracts get filled and where that takes the traveler often happen last minute. 

And the last five years has gone by so fast. 

Perhaps I will send over the loan agreements for the nearly $13M in real estate debt I originated in the last 90 days as the sole gaurantor so you can point out where I tripped up and perhaps you can even explain to me what I signed :) 

This seemed absurd on multiple reasons: 1) what if I changed PMs in the last 5 years? 

No doubt that house hacking has become more challenging in the last few years but it is often still a much better option compared to both renting and buying a primary home just to live in.

Anything on the MLS seems to not have cashflow in them and if something does look like a great deal it doesnt last.

(UNLESS OWNER OCCUPIED OR CAPITAL IMPROVEMENTS)If the land lord supplies heat, rent increase shall not exceed 4% otherwise don't exceed 3%.tenants 65 or older 2%new tenants increase can not exceed 5% over the last tenant's registered rentyou must provide a new tenant the previous rent amount in writing.you must apply to the city for each increase with 60 days notice, depending on the US department of housing and urban development for a unit of similar size.fines will be levied on a daily basis if in violation.