dont get caught in the mind set that ALL rental properties perform in a crash.. the last crash saw huge vacancies in certain markets and many of those investors lost their properties becasue there was no rental income to support debt.. absolute safest way is to have limited debt or no debt.

If you are a big believer in inflation AND you don't plan to sell the property later on then being a net debtor is a great inflation hedge for you too.

It appears that this will be another run away government program that we will all be forced to pay for - either via additional debt or taxes.I think cost containment will be key as well.

Others only make 2x the rent but they have absolutely zero debt or expenses. 3x the rent is a "rule of thumb" and you should be able to deviate from it based on the whole picture.If you have a one-year lease, you can terminate at any time for non-payment of rent.

For example,If Bob and I agree to a similar partnership as mentioned in Brandon's example, Bob applies for the loan solely, is there a way in which we can both hold liability for the debt?

You can get a HELOC and pay off the debt...or, as a second option that is less attractive, get a 401K loan and pay it off.

The drawbacks of house hacking are the same as the drawbacks of almost every other wise financial decision, such as not buying new cars, not going into credit card debt, or investing in your 401k.

Originally posted by @Victor Lau:Originally posted by @Brian Metz:Hi Victor, I'm in a similar situation, but am trying to lead-turn the problem by building a base of investors who would want to structure a partnership with me through debt or equity.

I'm really curious to get opinions from other buy and hold investors with numerous financed properties in their portfolios. Currently, I'm in a healthy financial position, and I have 6 rentals that are all cash flowin...

Most investors are not max debt or no debt...they fall somewhere in between.Totally agree, Mike.