Nothing is urgent, but these are the expenses i see on the horizon. 

If I purchase a property with 3.5% down and put money into it to improve it for my own residence and for Airbnb, doesn't that greatly increase my time horizon for getting that capital back out of the property?

Since buy-and-hold investments are targeted at a 5-15+ year time horizon, the goal is to capture longer term trends and differences among regions.

We’ve recently begun to expand our horizons and create a real business.

You really have to look at what the bank has to offer, how the payments change, your time horizon, if you even want to own something free-and-clear (some people don't), etc.  

My commute is too long and I want to expand my horizons by moving my business to Manhattan.

Also, your time horizon is honestly a little short. 

Portugal is still on the horizon but we really want to get our first investment property here in the states before we make the big move!

Some investors will become paralyzed with fear and as a result, not invest in real estate if they’re worried a recession is on the horizon.

This is compounded if you are young and your time horizon is lengthy.Originally posted by Rich Weese: 4. 10% cash is not high enough, imo.I agree that it is aggressive and I am working to beef it up some going forward.