@Charles Cathey  in my opinion, it does not really matter at this stage of the game. 

Below I tried to give a brief overview of my current learning curve situation, as well as my game plan. 

Was a student athlete so you can imagine what it was like having school, practice/games (events I was a track and field guy) and then work.

The only downsides of this are 1] if your existing income can't cover the new, higher, payment, you will have to eat some of your see corn every month, but with rates the way they are today that's a relatively low cost. 2] A more pressing risk is that all that cash in the bank will burn a hole in your pocket and you'll feel pressure to buy a sub par rental just to get your money in the game. 

That's a numbers game, as you might have to reach out to 100+ landlords before finding one that will take a chance on you.

Leverage is the name of the game.

You now owe capital gains tax on $29k, which is the amount of money you took out that was above and beyond your "skin in the game."

I would sell now while the market is high and go buy STRs where they welcome them.....fighting City Hall is a long losing game.....

Okay, I'll get off the soapbox now.He made the basement into a game room with foosball and a ping pong table.

Rent increases and appreciation seem to be the name of the game in my market currently.