I have a client that's an Air Bed and Breakfast guy. He's pleasant enough as a person, but boy.

He's a janitor. From the ages to 18 to 40 (now), his day job is cleaning. But as soon as he inherited his grandparent's 3 bedroom house back in 2022, he's supplemented his income by renting it out. And because he and his wife took out a mortgage in 2021, he went from owning 0 houses to 2 in the span of 16 months. In the last couple years, with advice from his boss at his day job, he decided to shift from being a landlord (bad) to being an AirBnB host (bad, but with delusions of being a hotelier).

It's fascinating. He went from renting at the age of 16/17 after getting kicked out of home, to being a homeowner in 2021, to owning 2 houses by the end of 2022. The change in him in the last 7 or 8 years of knowing him has been... drastic. It's like observing corruption happen in real time.

At the very least, and this is a very tiny credit, he cleans the place himself.