These are all pretty much problems on a short horizon and only if you compromise emergency savings to finance your rental property, which isn’t a great idea. On

These are all pretty much problems on a short horizon and only if you compromise emergency savings to finance your rental property, which isn’t a great idea. Once you’ve established rental income and a few years of paying on loan this situation flips and your income stream becomes an asset in these situations. Also purchase disability insurance, there’s no reason to excessively worry about a tail risk that is very affordable to protect against. If you’ve got second house money you had disability insurance money a while ago.