No need to have it all figured out—just be open to learning.Your Situation: Losing a job is tough, but you’re smart to protect your credit and explore benefits.

If you sell, unless you put the money towards another income producing activity, then it stays stagnant and loses to inflation. 

You're losing that much every 16 months at this point.

You are ahead of the curve to some degree compared to others, but most moving into this space now lose.

And with more renovations, you will start to get better at ball parking things, but even then you will always uncover items, so make sure you are baking in enough profit, even after conservative renovation budgets to feel confident you won't lose money.

The downside is that the market drops and you lose more than you gain; but if you can weather the downturns things have historically always gone back up.

Losing money but created a ton of equity.

I tend to agree, I hate to lose all of my passive income just to eliminate my primary mortgage. just out of curiosity, what makes you say that an HOA is a hindrance?

If not a rate and term refinance into conventional loan will help you save more on your monthly payment because you lose FHA MIP.You are allowed to put up to 10 properties on your personal credit.

If you try to go over the whole list, you’ll lose the attention of an average person and they won’t remember anything!