I was afraid of loans :( Fear does get you and perhaps if I could leverage what we have I could double the portfolio, but I feel like it's better to just leave it alone as is and collect rent without stretching it too thin.

Meanwhile, pension plans are stretched because Americans are living longer.

$5K is about what you need for a safety net to weather a bad period, so don't stretch yourself too thin.

I worked with them for a stretch to list deals, but they're not doing ground-up development deals.

Also people are like watch shows, do other stuff, but I think it is boring and would rather be making money and another income source is good for when you have those stretches of 3-4 weeks when you don't close deals !

I could:A) Pay off CC debtB) Pay of Student debt C) Buy more houses (I could probably grab two more this year in the market I'm looking in, if I really stretch)Some of the things I'm considering while debating this in my head

Stretch it to 30 with a balloon somewhere down the road.

The worst deals I have ever done are the ones where the numbers were stretched to make the deal happen because I felt that I had already invested myself into it and HAD to make it happen.

I maybe could stretch and get together 20% and get a bank loan - although I wouldn't feel like I had enough cash reserves.  

So finding a small multi-family may be difficult without going across to the Maryland side (I've seen a few) or stretching further down out of the NoVa area.