A recent study highlight key predictive factors to homelessness found that a $100 a month increase in rent correlates with a 15% increase in metropolitan homelessness.7.

Also my property has already appreciated by ~80k.I predict that all the "bad" areas in the bay are going to appreciate because it's the last of the affordable housing left for people making a middle class salary in the bay area.

I own a company that purchases high end cars such as the Tesla S's, then rents at a consistent and predictable pricing to self-starting business owners desiring supplemental income through Uber, chauffeur services, and shuttle services.You could consider using a service that provides you this the same. 

No one has a crystal ball and will be able to predict that you need to keep six months or 12 months or three months or two weeks cash reserve.

I predicted everything that happened to that idiot at the bank and it happened exactly as I said it would.

The average homeowner will never realize any savings with this cycle.That, and you will be very hard pressed to sway the minds of clients that shaving off 22 years is not a savings (that is 308 ACTUAL payments they will never have to make) in time, stress and of course the freedom to now do what they like with said equity.Yes, I agree that there is always inflation, but you cannot predict that any more than I can.

Time will show which prediction is accurate.  

Did I mention that Texas is also predicted to double in size by 2050?     

Maybe I'm just in a lucky streak and the bill will come due in 5 years but right now my cash flow is much higher than the rules would predict. 

You can't predict the future and your Uber drivers might make very stable tenants while stable W-2's might lose the jobs and stop paying rents.