1. If you don't own your own home you're an idiot.
2. If you don't own rental property to supplement your current income and help provide for your retirement then you're an idiot.
3. When leasing out your rental property, make sure you don't rent to idiots.
If you can find renters.
My FIL has a nice pile of rental houses. We have a few. And no debt.
He does not rent to those with Section 8 vouchers.