What would you do if you are in our shoes?

[Yen Padilla]

Hi!I just joined bp hoping that I would get more info and help even before I start with REI.My husband and I work full time as a registered nurse in NY but we are both tired of living paycheck per paycheck.We got our SFH thru FHA Loan 9 yes ago and now we're paying our monthly mortgage $3,980/month.We got our house for $440k and now our balance is around $380k.As per Zillow the value of our property now is $420k.We would like to try on Multi-family rentals to improve our income and to have a safety net in the future.. If you're in our place what would you do to get started in RE?Shall we sell our house?Shall we keep it and refinance so we can save up faster for our dp and reserve?Or Shall we loan from private lender and start the multifamily rentals without selling our SFH? I got so hooked and passionate to start multifamily rentals but I would like to be smart and be very careful not to mess up our lives esp with our 3 gradeschool kids relying in our decision.