.: Emotionally..... pay off your primary.Financially..... use the $$ to buy assets that make you $$...hands down a smarter use of your capital Especially if your interest rate is well below what the current rates have been. 

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

It’s not about chaining yourself to a rigid model; it’s about giving yourself a reliable starting point, so when the next tempting deal in Phoenix’s midtown corridor pops up, you know it fits into your broader strategy rather than just hoping it’ll magically work out.At the end of the day, nobody’s going to knock on your door and hand you a neatly packaged portfolio.

Hey EvanI prefer hands off but I know that 2 heads are better than one.

that said totally agree with how you do your deals..

Appreciation on the other hand is the biggest piece of the real estate pie.

I've largely stayed away from the "sub-to" buz word, but I have done a couple sub-to flips knowing that I only needed to hold onto them a couple months and I was prepared to pay off the notes if they were called.Sub-to for long-term hold on the other hand has me nervous. 

However, if both are desirable and available in your market, I would definitely choose smaller multifamily (1-4 units) hands down. 

MLS hands down will get the seller the best price in the market at the time. on having these in 3 markets I got to think finding a buyer to buy all three is going to be near impossible. 

Hey @Marc Shin, hehe like @Bruce Woodruff said, you are single-handedly increasing the topics for searches!