I think we also underestimate two income households, between a potential new covid package, remote work for new jobs, Houston will be okay.

This is why I think it's best to have one tenant for the whole package. 

You say "row of houses" sold for 85K 3 years ago.  85K for each or for some package? 

@Jaclyn Lignos - here is some more food for thought.

The rest goes to utilities, food, etc.

Food for thought.I think one of the more interesting lessons I've learned in my career is that while its entirely possible external forces impact you negatively, you should be the owner (and ultimately, the responsible party) for what happens to you.

We traded a great deal of in-the-moment comforts to achieve these things, but it hasn't been all dull.Along the way, my wife and I have taken multiple one-week vacations: NYC; drove the 101 from Portland, OR to San Diego, CA; drove from Portland, ME back home to Omaha, NE; and hit Chicago for food and Cubs games several times.If you want to escape your financial burden and achieve financial freedom, you can, but it requires difficult choices and hard commitments.

Larry Kudlow says the next stimulus package is to include an extension to the moratorium on evictions.

Right now I have 6 months of cash reserves for:All my properties My business (overhead + payroll)My personal expenses (bare necessities, home, food)Having this 6mos. cash reserve is great, but also not a fan of having this cash sit in the bank, do nothing and NOT generating cash flow from real estate either.

Just wanted to give you some food for thought!