I was going by the 87.5 percent rule The average home buyer cannot buy the 1588 sq ft condos downtown  for $675,000  I'm two miles from downtown 1/4 mile from Canada  There is still excellent opportunity as the prohibitive prices expand into adjacent neighborhoods.Dan Gilbert (Quicken Loans) owns more than 100 buildings downtown and is currently building 4 more 1 is costing him around $800,000,000.00 for the one building Hudson's Department Store Site It was supposed to be the 23rd tallest building in the US but it got shorter with his massive stroke and Covid 19There are areas that I think will come back faster than my area did ( buy for $10k put $20k into it worth $150-$200k in three years) The only point I was making was I NEVER understood why people cited Detroit as an example of good cash flow but no appreciation.The appreciation has been unbeatable.

You can pay down mortgage faster if you want by contributing more to principal, or you can invest, or you have more room if forced to lower rent in a downturn and still hopefully cover PITI.

You will receive a higher cash on cash return and more importantly, this allow you to keep some money to invest in future properties faster.  

It sounds much faster than I had thought and good to know it doesn't disturb the tenants.How does one know when it's time to replace the roof?

You live there so you can figure that part faster than I did . 

Rentals should be faster and less money to finish.

sometimes you get a faster judgment if you forgo the money damages for possession only.  

Now you've leveraged yourself into more units making you passive income faster.

If you want something faster then pick out a cookie cutter house design from your local developer that does entire subdivisions. 

A great mentor is the best place to start and moved me along so much faster as he had a cookie cutter money making machine that I just needed to plug into.See you around good luck here,