Invest the Roth in a diversified pool of high-quality notes. 

The sky is not falling, but I agree if your carrying costs are high and owners did not budget earnings from last year to cover costs of the first slower months (Jan-May) then they are hurting. 

Wife and I have high credit score and we are high income earners (her W-2 & 1099 for me). 

If 2 and the bathroom is on the second floor, the plumber will need to access the other plumbing/water lines and this could involve accessing walls and ceilings in various areas depending on your layout.

Rates were low in 2018, sales prices were reasonable, and rents were high, so the numbers worked in our favor.

Any recommendations or insights on how to find the right fit would be incredibly helpful.Tenant Screening: Lastly, I'm curious about effective strategies for finding high-quality tenants, especially when renting out rooms individually.

She gave notice through text when I sent her an official document she took it as I'm "influencing her" or pressuring her.

Selecting areas: Look for neighborhoods with high growth potential, amenities, and public transit when choosing places for house hacking, especially in big cities like NYC.

If it was a less damaging issue I might wait it out, but water, fire and 'safety' (CO detector etc) and it would be on my schedule not theirs.

So just make sure that when you do have the convo (I do think that is a very high split for that person), you need to be diplomatic and realize that they may take offense to it or not want to reduce their split at all.