I'll make a point of swinging through there and get back with a more informed opinion on that specific street.

I could use the input from a more experienced investor as I am in a tough cookie at the moment and don't want to make decisions out of despair.

Replace my current property manager with a more proactive one, though there is no guarantee that the next one will be a better fit. 

Let's use 6% interest just to pick a more reasonable cost of money (ie. not todays crazy rates).  

If you tell him to quit you can find someone else but it would certainly be more as contractors dont like to start mid project like that and finish someone elses' work but its best that you have a more constructive conversation with him about his absence.

I personally have yet to dive into this strategy but know a few folks who prefer this as a more passive way of investing in real estate.I would also agree with those suggesting a HYSA to park a small amount of cash but even more worthwhile is infinite banking.

Thus, if someone wants to invest in a more conservative investment, but still be able to grow significant wealth, investing early is the solution!

I am located in Utah and thinking of relocating to Georgia or South Carolina for a more affordable market.

So when I use that formula I get: .69$2000 (on a more typical non loss year) + $381127 (principal remaining, 5/2050 mature date) + 470000 (~ appreciation) = 853,127/($850,000 (property value) - $381,127 (principal remaining)) = .69That is what i get with that formula but I do not understand the differnce between "mortgage paydown and "debt" as aren't those the same thing?

You might see 25-50 at a more rural sale.