See the stress test above.  

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

They say it’s too much stress, too many surprises, and not enough reward.

You’re able to learn the basics of a real estate investment with lower risk and build equity at the same time.

I've been watching Chad Carson's videos and his approach of accumulating more properties than you need, then start using that income to pay off mortgages and cull the lower performing properties makes sense to me. 

These school districts do not compare to a district like Lower Merion but I believe they are still highly ranked.

If rates drop in the future, refinancing again could lower your payment, but it’s good to make sure the numbers work now just in case.

That’s why I invested in rentals—to have a safety net.I'm not exactly sure where you're at, but if your current situation is causing frustration or stress, there’s no shame in selling a property to free up capital.

How complete, low stress, hands off, experienced, all-inclusive the journey is made via the service provider. 

In terms of the second scenario, the upside I see is the option to get a different kind of loan (say, FHA with a lower down payment and other assistance programs for K-12 educators like me) since I'd be getting a new primary residence instead of a second home.