Here's a good article from TurboTax: https://turbotax.intuit.com/tax-tools/tax-tips/Home-Ownership/How-Short-Sales-and-Foreclosures-Affect-Your-Taxes/INF19990.html Might also want to get some input from @Steven Hamilton II

How do the holidays affect your business?

I have one tenant who has been on time with rent payment since the start of her lease in January. However, since her paycheck schedule changed from 15th/30th to every other Friday in Nov, she has difficulty to pay ...

Cold should not materially affect a gas line, water lines on the other hand are certainly an issue in cold weather.

Finally, #2-#4 are essentially rinse & repeat: you will have to qualify for each subsequent property considering the debt of prior mortgages, but you will also get to use 50% of existing rental income.

Wash, rinse, and repeat - then pay cash for a rental when you have a place to park your money when you have more than you need.

There is never any upsell, just a simple renewal that you can repeat as long as you like, you can judge your success and decide for yourself if you want to continue to learn, never any sales pitch.

There is a case to be made for affecting the tenant credit for the next landlord to view, but that should be looked on as just the right thing to do, collecting after a judgement is doubtful at best.

There are excluded or limited items, such as cash, electronics, collections and such that may need to be looked at specifically and insured by riders or endorsements to a basic policy, if they choose to insure over those limited amounts.The issue for you is the liability coverage they obtain under a tenant's policy, that's the only concern you have and that could reduce your liability issues, so you should check with your agent.Many variables will apply in determining their liability issues and yours as well as how and when your insurance may be affected with any claim arising from negligence of a tenant.

Take that cash flow and repeat.