When strangers move in together sharing the same kitchen/etc, then they do not have an established household system ("how do we live together") and they do not have the pre-established relationships to sustain them while they are establishing a household system. 

Once again, thank you for your thoughts and I do believe that deals that yield favourable cash flows will sustain any investor through peaks and troughs of the cycle.

If I were to become disable and unable to work, the IUL will allow early distributions of the death benefit to help me sustain my real estate.

The property is almost self sustaining in terms of the mortgage so I only had to cover a small number with my DTI ratio.

He brought up something that resonated with my personal experience.

If your rent figures are realistic and sustainable, AND if there is value appreciation likely in its location, you might be OK hanging on to it until that appreciation occurs. 

Resonable interest rate.

The property's ability to be self sustaining, measured by the DCSR, is the dominant criteria for qualification and your personal status, especially the DTI, is of far less concern.

So my goal is to build enough wealth and sustainability through real estate to become financially free in the next 10 years, and quit my job.

I'm all for dotting my "i's" and crossing my "t's", so that resonates with me.