So, what I do to satisfy both the financial benefits of utilizing leverage AND the psychological benefit of being debt free is I only have mortgage loans in which the property is the sole collateral with no liability to myself or my entities.  

He is citizen and I only have my ITIN number.

Raoul Pal sold ALL of his gold and bought Bitcoin.NOTHING has performed as well as Bitcoin over the past 15 years.

I only work with PMs that let us own the listing.

It comes from buying distressed assets and fixing them or re-arranging the property to make it perform again. 

Depending on the property's location, it could perform very well as a co-living asset (3x of a traditional rental).

Curious what you're basing your numbers off of- I'm guessing the 2023 numbers are going to be a far more accurate prediction of future performance.  

I'm not sure the premium vs the basic version (I only have premium) but for any property, I can itemize the purchase price, current value, tag the associated mortgage, my assumption on appreciation, its rental income, all of its expenses (including taxes, yearly mainteance, capex, insurance, HOA, property management, depreciation and other), its estimated sale timing/and fees. 

I find it hard for the numbers to work if I only put 3.5% or 5% for down payment as the monthly payment will be through the roof.

I only have two more Spanish classes left to complete my degree, but since they must be taken consecutively, I have extra time on my hands.