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The Rental Roof Blog
Only the good stuff. Never fluff.
![January RIA Roundup: 2024 Year in Review, Best Cash Flow Markets, & My 2024 Portfolio Results](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/be9da64d-5daa-4d33-901a-9f3c0217a482/Screenshot+2025-01-28+at+10.35.15%E2%80%AFAM.png)
January RIA Roundup: 2024 Year in Review, Best Cash Flow Markets, & My 2024 Portfolio Results
A review of the key themes that drove the biggest news in 2024, in real estate and beyond. Plus a latest REI news & insights, and an essay about debt.
![2024 Year in Review, & 2025 Preview](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/967891aa-a955-4b26-996e-3c4e3b3578bd/Screenshot+2025-01-29+at+10.30.46%E2%80%AFAM.png)
2024 Year in Review, & 2025 Preview
A review of the six key themes that drove the biggest news in 2024, in real estate and beyond, plus a preview of 2025.
![2024 Annual Portfolio Checkup](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/ed756351-853e-46bc-ab70-0108f43f4a56/dreamstime_m_299553217+%282%29.jpg)
2024 Annual Portfolio Checkup
My full annual portfolio report for 2024. This was one of the most challenging & expensive years I’ve had with my Memphis rental portfolio — find out why, and what adjustments I’m making going forward.
![Monthly Portfolio Report: December 2024](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1681421703436-ZM91RED857YVEGW5D1A4/Screen+Shot+2023-04-13+at+5.34.45+PM.png)
Monthly Portfolio Report: December 2024
My last monthly report for 2024, including all the facts and figures for my portfolio. A challenging year comes to a close.
![Nov/Dec RIA Roundup: Rental Property Maintenance Costs, Avoiding Estate Taxes, & Mocha Mousse](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1734197877539-ZG3WTET3QXI9K2AV59O2/Screenshot+2024-12-14+at+12.36.55%E2%80%AFPM.png)
Nov/Dec RIA Roundup: Rental Property Maintenance Costs, Avoiding Estate Taxes, & Mocha Mousse
What is the TRUE cost of maintaining rental properties? Plus the latest REI news & insights, and an essay about health “care”.
![The True Cost of Maintaining Rental Properties](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1733949060991-M77IQBN1ZTB44H52XDXR/Screenshot+2024-12-11+at+3.17.02%E2%80%AFPM.png)
The True Cost of Maintaining Rental Properties
We know we need to budget for maintenance & repair costs. But do those budgets actually hold up in reality? What is the TRUE cost of maintaining rental properties? A deep dive into my portfolio’s data provides answers and insights.
![Monthly Portfolio Report: November 2024](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1681421703436-ZM91RED857YVEGW5D1A4/Screen+Shot+2023-04-13+at+5.34.45+PM.png)
Monthly Portfolio Report: November 2024
The full report on my properties in November 2024. The annual picture is coming into focus, and it….could’ve been worse.
![Monthly Portfolio Report: October 2024](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1681421703436-ZM91RED857YVEGW5D1A4/Screen+Shot+2023-04-13+at+5.34.45+PM.png)
Monthly Portfolio Report: October 2024
Here’s how my Memphis rental properties performed in October, with all the facts and figures.
![October RIA Roundup: How to Make Rentals Passive, Mr. Money Mustache on the Economy, & Voting](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1be167aa-601e-4c24-8ba6-e1b33f1b939c/Screen+Shot+2024-10-30+at+3.22.58+PM.png)
October RIA Roundup: How to Make Rentals Passive, Mr. Money Mustache on the Economy, & Voting
How passive are rental properties, really? Plus the latest REI news & insights, and an essay about the voting process.
![Memphis Rental Property #7](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/10c59089-cf0b-4cca-8872-22fe98b39e35/20210503_170311.jpg)
Memphis Rental Property #7
Property #7 is one of the oldest homes in my portfolio, and also holds the distinction of being the cheapest home I’ve ever bought at just $45K. But other costs came later.
![The ONE Key to Making Rental Properties a Passive Investment](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/783185e1-a6ef-4e8f-892f-e383d527263d/Gemini_Generated_Image_f95u6bf95u6bf95u.jpg)
The ONE Key to Making Rental Properties a Passive Investment
Rental investors understand the power of cash flow. But to make that income stream truly PASSIVE, you must hire a professional property manager.
![Monthly Portfolio Report: September 2024](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1681421703436-ZM91RED857YVEGW5D1A4/Screen+Shot+2023-04-13+at+5.34.45+PM.png)
Monthly Portfolio Report: September 2024
Here’s how my Memphis portfolio performed in September, including all the facts and figures.
![September RIA Roundup: Buying vs. Renting, Interest Rate Cuts, & The Common Good](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1727459327995-9N4LUU564QEUJPQ4L5N5/Screen+Shot+2024-09-27+at+1.45.58+PM.png)
September RIA Roundup: Buying vs. Renting, Interest Rate Cuts, & The Common Good
Is buying or renting your primary residence the better financial choice? Plus the latest REI news & insights, and an essay about how business and government both have a role in promoting the common good.
![Memphis Rental Property #6](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1727288471334-567OBXQMH8JOHT0HTAQV/HebronFront.jpg)
Memphis Rental Property #6
Property #6 is a very large 4-bed, 2.5-bath home in the 38116 zip code that I purchased with a tenant in place.
![Buy vs Rent: The Overwhelming Financial Case for Renting in Expensive Markets](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/af6052d0-291f-4f11-8c59-4de22553c84c/Gemini_Generated_Image_4uofgh4uofgh4uof.jpg)
Buy vs Rent: The Overwhelming Financial Case for Renting in Expensive Markets
A lot of factors go into the decision to buy vs. rent. But the cold, hard math of this age-old real estate question reveals a surprising truth: you'd probably be better off renting.
![Monthly Portfolio Report: August 2024](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1681421703436-ZM91RED857YVEGW5D1A4/Screen+Shot+2023-04-13+at+5.34.45+PM.png)
Monthly Portfolio Report: August 2024
Here are all the stats and stories from my Memphis rental portfolio in August 2024.
![Section 8 “Gurus” Make Big Promises. Here’s Why You Should Be Skeptical.](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1714064444207-E40GD3SENCY7BNS44SW1/Screen+Shot+2024-04-25+at+5.57.35+PM.png)
Section 8 “Gurus” Make Big Promises. Here’s Why You Should Be Skeptical.
A new crop of online gurus are touting Section 8 as the best strategy for rental property investors. A close look at the promises they’re making raises lots of red flags.
![August RIA Roundup: Cash Flow vs Appreciation, $1M Starter Homes, & Playing the Long Game](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/ab9ca6b3-ad9b-4b13-abe3-ccdc866c1007/Screen+Shot+2024-08-30+at+11.00.55+AM.png)
August RIA Roundup: Cash Flow vs Appreciation, $1M Starter Homes, & Playing the Long Game
Cash Flow vs Appreciation is one of the oldest debates in real estate. But which will actually make you more money? Plus the latest REI news & insights, and an essay about playing the long game, in investing and in life.
![Cash Flow vs Appreciation: Which is More Important for Real Estate Investors?](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1725026260215-U2VK15URETUL39E9CNK5/Screen+Shot+2024-08-30+at+9.57.25+AM.png)
Cash Flow vs Appreciation: Which is More Important for Real Estate Investors?
I focus primarily on cash flow with my properties. But appreciation in home prices is also critical to long-term wealth building with real estate. So which is more important, and which should you focus on as an investor?
![Memphis Rental Property #5](https://images.squarespace-cdn.com/content/v1/5eb3012a3987162be43ac463/1724868207697-F242ZKIANW1MK099HKX0/6845%2BMeadows%2BEnd%2BLane%2B04-12-2019%2B%25282%2529.jpg)
Memphis Rental Property #5
Property #5 is a semi-attached townhome with 3 beds and 2 full baths, purchased after a turnkey rehab.
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