"T, F, or CIM" Just checked. Those three greatly lagged the S&P 500 over the past 5 years. Need income? Just sell off a few shares every once in awhile. That's Buffett's advice to his BRK shareholders.
Nothing wrong with holding some CIM in your account. The key is to not always be chasing yield. I wouldn't want to hold F, even though it may be coming out of a funk right now.