Still have that safe investment and maybe have to wait a little longer to enjoy that money while you make a some more long term.

Outside of real estate, I enjoy spending time with my family (wife of 10 years, 8 year old daughter, 4 year old son, and Bernedoodle), strength training, and playing guitar.Excited to learn and connect with you all!

Also, net negative is ok right now as long as you are getting the enjoyment as @Tanner Lewis said.Think of it this way - uneven is the best option.

The benefit is that you get to enjoy your money along the way with some amazing tax write offs. 

Think long term and enjoy all the mailbox money.

Outside of real estate, I enjoy traveling, spending time with family, and boating.Excited to learn and connect with you all!

I'm particularly passionate about building wealth via real estate investment.Outside of real estate, I enjoy being out in the nature .. 

You have almost 50% equity, so enjoy your low interest rate and at some point you'll be able to easily refinance or get a heloc or home equity loan. 

But rest assured, any built-ins, any woodwork, doors and windows, anything "nice" in the house that you put it once upon a time for yourself to enjoy is going to get damaged.I am closely related to a guy who moved out of his house five years ago to a new house, with the intention to fix up the old property a bit and rent it, and yet his old house has sat empty for five years and he's paid holding costs for out of pocket.

Depending on your state, you may be able to enjoy a step up in basis upon the death of a spouse.Non-Community Property StatesIn every state but the community property states, spouses are treated as joint tenants with rights of survivorship (JTROS).