Since then, average 30-year mortgage rates have RISEN by 50 basis points to around 6.60%.

Personally, I generate steady cash flow through rental income from workforce housing and multifamily properties, but the value really comes from the appreciation that takes time but is happening, especially in markets like Dallas, where property values are rising steadily due to a major supply demand imbalance.

They will just go back to where they were before insane post-COVID inflation, that will be the "bottom", and then they will steadily rise.

I would like to have at least a couple properties before moving out of state that will at minimum break-even on cash flow as a LTR with property management long-distance.Other info:Looking to move out on Memphis with my wife in the next 2-4 yearsLooking to start a family in the next year or soComfortably have ~50k ready to invest sitting in HYSA, excluding Cash reservesHave an extra ~$70k in stocksMost interested in A- to C+ neighborhoodsI currently own & live in a 2/1.5 Condo locally (3.5% interest rate)Not allowed to rent it outHOA fees have risen to where PITI + HOA = $1100/mo.Have ~$100k trapped equity, good zip code I could sell quicklyOption A: Purchase another primary home locally I could live in for 2 years (lower interest rate), with intention of eventually converting it to LTR when I move out of state.

I was turned down by all of the companies that are often mentioned here (Proper, Steadily, Foremost, American Modern) and many others. 

That lack of new supply along with strong demand has kept the markets up WA HOUSINGAlso I belive the cost of replacement has risen so much that intrinsic values have also risen significantly though you are still paying a premium of 20% atleast to secure a deal.

I steadily grow.

Based on where you at now, paying off your mortgage and continue to grow steadily will easily get you there in the next 10 years with minimum stress and headache (minus WWIII happening, JK)If you are someone who are aspire to maximize growth, have a f*k you money and want to get into politics and expand your influences, and also prepared to embrace the headache and stress that come with that lifestyle, then you wouldn't want to pay off the mortgage but put your money somewhere else that would give you maximum return.

There are several ways to reduce W-2 taxes with real estate.Contribute to retirement accounts: Regularly contributing to your retirement account will steadily increase your net worth.

The most popular are Steadily, Proper, and CBIZ.