HELOAN would only be about 14% of the equity so little risk even on a down market.I am picking 10 years as it is the point where it will allow me to cash flow monthly and it keeps the rates low enough.

As an owner, you can leverage low % down programs especially for yourself as a physician which has some of the best loan options out there.

Don't build a business model around low interest rates and you'll be fine.

Even if I low balled the montly rent I still come out with a nice amount on the 8 properties minus the yearly property taxes it is a no brainer.

"Swamp coolers" work well when the humidity is low, but during our storm season in late summer they will not cool enough.

As you might expect, most B&H investors are mom and pops and kinda hold a low profile. 

If you are looking for sellers, consider a campaign to Seniors with Low Financial Stability Scores (FSS)If you are looking for buyers, consider a campaign to high income renters and high FSS.

Your vacancy also looks a little low to remain conservative.

I bought a new rental property months later, however, I have not been able to rent it and the rent I can get for it is too low.

For many property managers, this is why they are in the business they are in--the management company is low risk and will make it's fees no matter what.