It's hard to find data on these changes and it impacts the entire business model. 

The bottom of the sheetrock was penetrated in a lot of areas so we elected to remove the bottom four feet of sheetrock throughout the house.The fiberglass insulation mostly survived, but why chance it? 

Creating a team that is going to help push you to success not create polarity because their business model is not aligned with your goals.

Of late I'm always telling the people I work with, in this current market you need to be in sniper mode. 

You need to be a hardened PM and landlord to survive in this type of market.

Between a sale and a potential refinance it could put you in a better 'build now' mode with your investments while you settle your tenant/STR issue with the other part of the duplex. 

We are also financial free and do not depend on employer to survive.  

They didn’t pay for November and called me in crisis mode saying husband is injured and couldn’t work, they had to get a new health insurance plan, car repairs, all stacked up.

As a passive investment the lake short term model is also difficult due to a lack of qualified laborers.

You have to use your own judgement on whether we will have bad times and when, and how much of a downturn can you survive when you are leveraged.I always remind myself what I read in one of Kiyosaki's books, poor people work for money, rich people have money work for them.