If your rental income increases faster than inflation, you will have the additional dollars you need to pay inflated prices.

In terms of the down payment, that 75,000 includes all of the additional fees and associated costs and such as well.

@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

You may have to make modifications or additions in order to get that signed off.

I went to the site and submitted some info and it says "check your email for further steps."

$800k at a couple extra percent means it’s costing you AT LEAST $16k PER YEAR in additional interest.

For example:Second, under their "About us" link, click on "Management" and you'll see a "Meet the Team" page where there's the following photo/info for this James LaPushner fellow you mentioned (which says he was born in New Zealand):However, if you do a reverse Google image search on this photo, you'll find that it's posted on several other sites, including this one: https://planetaseminarov.ru/people/konstantin-baksht.htmlHere's a photo of him from this page:This page is written in Russian, but if you translate it, it says his name is Konstantin Baksht, he lives in Moscow Russia, and he is the owner and CEO of the international consulting company Baksht Consulting Group. 

Even if you had to exceed that, as single you could convert an additional $485,050 above the $63,350 (or $503,350 if married) and you’d only be taxed at the 15% LTCG tax rate (not counting any state if applicable).Each year I’d get my taxable income as low as possible to give myself as much ‘room’ as possible in the 0% tax bracket and convert the max amount possible.

You can evaluate the additional cost and payback time as if you were paying for heat to get a handle on it but the jump to most efficient is probably not worth it in your situation.

Additionally, creative revenue streams like adding storage or premium amenities can boost NOI.