I gained one additional renter, adding $800 more monthly rent income, and we build approx $40-$50K of equity.

Some people say that is not the 'fastest way' to gain wealth in RE is to highly leverage and go big.

Rent growth had the most gains in 2022, but 2024 has seen modest gains. 

My father would be willing to help us out in basically any way that he could, in exchange for modest monthly payments going forward, and is content limiting his capital gains exposure with the owner financing. 

It's not a zero sum game and they don't have anything to gain by telling you straight, ie they're not going to tell you it's a chump fund if the underlying structure is solid.

I bought on a discount to gain equity day one.

It's like using a persons weight to compare fitness level.

Wholesaling might work if you find the right buyer who sees the long-term rental potential, but you're not likely to see significant gains quickly with the numbers you’ve shared.Given that you're cash-flowing well and have a stable tenant through August 2025, holding the property while pulling out equity to pursue other deals sounds like a strong move.

So, identifying the low hanging fruit identifies the most gainful improvements you can make. 4.

You make the mortgage payments on their behalf.Advantages:Full Ownership: You gain full legal title to the property while keeping the favorable 3.25% interest rate.Control: You have more control over the sale because you hold the deed.Simpler Resale: Since you hold title, you avoid the complications of a land contract when reselling, especially to FHA buyers.Risks:Due-on-Sale Clause: The lender could potentially enforce the due-on-sale clause if they find out you’ve taken title, though this is relatively rare in practice as long as payments are made.Higher Closing Costs: You would need to close formally and cover title, closing, and potentially transfer costs.3.