However, what TRULY fuels my fire is seeing my dad work the night shift for the past 15 years and see how it’s robbed him of his physical and social health!

In rare cases, I suppose a vast shift in the market like a substantial "pathway to progress" or neighborhood development could greatly improve a property's status.  

Reason being is the current firm I have my money invested in is being managed by a financial adviser, which makes shifting money around in the account extremely difficult.

I am in several note-lending opportunities currently.Advantages = Scalability, economy of scale discounts, lower property management rates, easier to maintain than small multi-family, the more units, the safer and more efficient the project (in our opinion) We usually deal with 100 units + on each project, rarely exceeding 350 units.Disadvantages = deal flow (hard to find properties in the domestic US with solid cap rates) We're shifting focus more heavily to Puerto Rico and the opportunities it currently presents.

Seems almost everyone from purely an investment position shifts parks this way. 

I could see our portfolio shifting to be 50% or more in real estate, long term. 

Now that I know, I need to shift into 4th gear to build my retirement portfolio which will allow me to work for fun!  

Obviously prices don't increase uniformly each year, some years the price may go up, some years it may go down, but if we track the prices long enough, by definition the price will trend to the average unless there are outside factors involved (Detroit collapsing, or the shifting demographics away from the midwest and towards the coastal and southern regions). 

(this market is full of daisy chainers) It just seems like there has been a big shift in fix and flips towards multi-family properties.

I understand that at the beginning of your payments you pay mostly interest, and it gradually shifts where towards the end you're paying mostly principal, I just don't understand why it matters.