I'm aware that there are many different ways to approach long term holds, so I'm not slamming your basic approach -- although it's not one that I would be comfortable with (or be able to afford, lol!).

She comes back from vacation and then tells me she cannot afford an increase of $105? 

Can you afford the risk to self insure if something goes wrong?

It is not a matter that Can I afford to pay neighbor's water bill or not.

If you are looking for better returns I would try and push you towards a more affordable part of the market.

If they have a game plan they are more likely to be able to afford it.  

The fact that it is increased ware and tare due to the "type" of people is largely a misconception similar to the fact that it destroys affordable housing which is another false claim.

A Mortgagee can be too aggressive and step over the allowed collection activities which in turn can afford the Borrower some defenses to enforcement of the loan.The context here to what the rest of the account looks like is missing.  

If you have enough documentable income, you can afford to two carry houses (your primary and a second house or vacation home). 

If I were to buy a single family home I could afford up to a 400K purchase price (with 3.5% down), but I'm trying to buy a fourplex for 315K-350K.