Here's how it works - Assuming your property is in a market where rents and all of your expenses generally rise with inflation, one thing doesn't change from year to year, which is your mortgage payment.

Increase the rent a bit (which you should do every year to keep up with inflation) and get the necessary repairs done now. 

@Nathan G. good point😊If I would like to keep 100% occupancy but also take care about my income and amend the tenants contract with annual rental increase +3% just to protect cash against inflation, HOW they can react to that❓

The transformation in the last 3 years is amazing and the prices keep rising.   

Since then property price inflation has dramatically outpaced rental inflation, lending rules have changed making non-qualifying assumable mortgages non-existant, and seller financing is difficult if not impossible to get. 

I was around for the rise in the early 2000s and then the crash.  

The interest rate may, indeed, rise faster than your capped payment.

As long as you have your lifestyle inflation/creep under control, I'd say you have good options and can leverage both or 1. 

My goal is 10 SFH, as I'm just looking to supplement a $3,000 a month pension (inflation will slowly drain its buying power, so turning to real estate to combat that effect) that I'll start drawing from in 2023 at the age of 53. 

I think MGM's Bridgeport rumors and the general good economy has prices on the rise.