Over the course of 20 years, you will have modest years that seem pretty reasonable, and you will have ridiculous years that tip the whole balance negative. My

Over the course of 20 years, you will have modest years that seem pretty reasonable, and you will have ridiculous years that tip the whole balance negative. My partner had been renting her house out for about 5 years with the usual annoyances, when the newest tenants left a cabinet on a cord that after a few months started an electrical fire that torched the place. No one was injured and it was (mostly) covered by insurance, but it was still 6+ months of dealing with all the claims and repairs and getting it back into shape. And to top it off, the tenants took her to small claims court for the security deposit! (They lost.)