But to touch on the earlier point, physical asset investing under the nature of debt, efficiencies of scale, tax benefits/drawbacks, and the power of delegation before you dip your toes in.

For those people there's really no good answer because aside from a few times when you hit a lucky economy, nice returns in RE generally requires time.

Stress, theft, bad tenants, repairs, acts of nature, and people who dont know how to take care of a house happen.  

Thanks, What is the nature of your loan scenario?

Naturally.

You should always maintain a reserve to cover repairs, vacancies, natural disasters, etc.

A condo can be better with white, depending on the natural light, and small houses can take to colors well.

Just gonna wait it out for natural appreciation, cashflow and tenant-debt buydown.

Speak simply and naturally. 

Id like to make clear that my niche market is heavy on cash flow given how very low the rental inventory is, and appreciation is slow due to the rural nature of the area.