(I own a good sice portfolio and we are leveraged with a very healthy equity share.)A stress test for your portfolio is basically a set of distressing circumstances, like a worst case scenario and then you look at your bottom line.What happens if:- you loose 30% of your tenants- rental rates soften- your competition starts giving out free rent- your adjustable rate financing kicks in- your annual capex spikes (well, this should not come as a surprise)- etcNow you don't look at this statically and say okay now I cam cash flow negative.

If I can't, can anyone recommend any kind of income producing investment I can do with this brokerage account?

Same in an apartment, just that the value comes from raising the income that the apartment produces.

My area is quite expensive, are there any areas maybe in Arizona or Nevada that are attractive (Phoenix looked promising with their population growth and cost of living) that could produce more cash flow than my area?

STRs produce more income, but during a serious recession vacations will be some of the first sacrifices people make.

Easiest way to get started, join a high producing team.

As long as everything else in the relationship is healthy and happy I wouldn't take this as a reason to call it quits. 

Be careful about spending and keep healthy reserves held back .despite what gurus teach ive found it’s possible to move too quickly

It is clear that if you want to advertise on VRBO you'll sooner or later have to agree to their payments T&Cs in order to do so.Even though every year Airbnb continues to increase performance & bookings for my properties, VRBO is still the major producer.

Some other commercial vehicles that produce will against unseen economic forces are Mobile Home Parks and Self Storage Facilities.