What can you sacrifice to achieve your goals without being overleveraged?

I get that having a paid off property is very comforting, but to me it's not the best move if you're trying to grow. 20% down and 3% annual appreciation means you're making a 15% return on your downpayment. 

I have debated about moving a house onto the property and either selling or renting the property or subdividing the property with multiple homes or even several tiny homes.

Educate yourself with books, podcasts, and market research, define your goals, and build a team of professionals to support your journey.

Treat it as such or the tenants will try to take advantage of you as well.If you jump rent $400 per month they could just move out.

@Sam Ojo Sounds like you've made a lot of positive moves that have resulted in you having options at this point. 

They survived Walmart groceries and aldis moving in because they chose locations near bus routes and had large stores.

Good luck trying to replicate that across multiple markets.If a market is working for you and aligns with your goals, why change it up?

Pitching them on your track record and offering them a passive role with attractive returns can be a solid way to bridge the funding gap.Shoot me a message if you want to talk more, I’m always looking to align with people making bold moves in this space!

Best wishes I did not do a full appraisal, just brokers opinion to get the PMI removed which was the goal.