I only do Tenant Buyer so this doesn't really affect me, but I was thinking that those of you who do Buy & Hold with Rentals might appreciate knowing this: 

"Per the survey, some 20% of renters admit they were unable to make their monthly payments on time at least once over the preceding three months with the results being even worse among minorities and those lacking a college degree."

• Analyzing data from Apartment List users, we find that nearly one in five renters were unable to pay their rent in full for at least one of the past three months. We estimate that 3.7 million American renters have experienced an eviction.

• Evictions disproportionately impact the most vulnerable members of our society. Renters without a college education are more than twice as likely to face eviction as those with a four-year degree.

• Additionally, we find that black households face the highest rates of eviction, even when controlling for education and income. Perhaps most troubling, households with children are twice as likely to face an eviction threat, regardless of marital status.

• The impacts of eviction are severe and long-lasting. Evictions are a leading cause of homelessness, and research has tied eviction to poor health outcomes in both adults and children. These effects are persistent, and experiencing an eviction makes it difficult to get back on one’s feet.