The stress is taking a toll on my health and I am considering stop paying all mortgages.Once foreclosure happens I would consider filing chapter 7 bankruptcy to avoid any deficiency judgments (I live in NY).I have no consumer debt only the debt on the properties which is all in my name.I have a day job where I make approx $80k/year.

And yes, there is a connection between the people responsible for this rate manipulation and that certain person seeking the Presidency, that said, this is not to point out any political issue, please let's not go there, the subject is the ramifications of the rate manipulation and rates going up for credit cards as well as mortgages or other consumer credit matters.So, how do you hedge against a rigged system?

I'm consumed with the idea and have to solve this riddle.How could a multifamily owner use their property to generate an income steam equivalent to their gross rent?

I haven't had the time to spend researching myself on how to enhance the performance of my advertising.

It is very time consuming to DIY unless you are pretty knowledgeble with it.

They are not without problems just like any investment.Managing or not managing is a function of time.If you make a few hundred k a year you are not in most cases going to self manage.You would take a pay cut taking time away to do those activities.Instead you build in management fees to your purchase price and modeling.You still watch over the property manager but it is a phone call and watching the reports every few weeks as they come in.You are letting the management do the time consuming work and the heavy lifting.If however you do not have a job and this investment has to produce income for you then many self-manage or they purchased wrong and did not figure in the cost they self manage.This is why many of my clients prefer triple net properties.They already have a lot of money and want little to no headaches and keep pace with inflation.They like the extra 2 to 4% annual yield say with multifamily but when they look into all that is involved they say NO THANKS.

Dow above 13k, Case Shiller up (all 20 cities), Chicago PMI up, consumer confidence up, price of gas down ($3 here).

Yep Steve pretty much nailed it.After the consumer files a BK they have now bought months and months of time even if the plan isn't confirmed.They breathe a sign of relief and could care less about you the investor.Where the money lies is to keep tracking them on the Fed BK site and look for a motion to dismiss the case or a relief from stay filing on the house.You can get to them early this way as it takes a few weeks to a month to process out the request,the file to come out of the bank BK department,and foreclosure proceedings to start again.I do not know this person hucking a system but it is usually the same knowledge recast with a fancy name to believe it is different.

Its sure nice for consumers, though!

It is very time consuming to "decode" the information.