So let's visit "reality Island"  (LOL) and try this out with realistic numbers.1 - Same house - $100k in price2 - Same DP = 30% = $30k3 - Same Loan = $70k4 - Same terms (7%, 30years) = MP = $466/month5 - Realistic CF = $500/month; $6k/year, all put back in...6 - Realistic early payoff in 14 years.7 - Total interest reduced = $48,3438 - Total added cost to you from CF (#5) = 14yrs * 12 mos * $500 = $84000...right away, the added cost to you using your CF is $38k more than the reduced interest, but that's not the real problem,...9 - Total cost to you = DP + extra pmts from CF = $934/month;  $11,20810 - At the end of 14 years, you will have paid $84,000 for the property, with no income/profit.11 - New CF = $966/month; $11,592/year12 - Number of years to recover total cost (#10) from accumulated CF (#11) = over 7 years.13 - Bottom line, doing this would mean you wouldn't see a profit for 21 years...and a lot can happen in 1 years, ...what about 21?

How would you go about accumulating multiply rentals with this strategy? 

They accumulate large portfolios of properties in order to ride the broader macroeconomic wave. 

Won't we have more debt accumulated through the refinancing? 

How do people who own multiple units ( 10+),  accumulate them?

I find myself in a position of accumulating cash with no place to put it and am looking for active investable individuals in the area.

I'll pay about $1000 a month to live there and accumulate equity.

Your brother and you are in the wealth accumulation stage.  

Even with a building with free market rents, it would be near impossible to acquire and maintain it on positive cashflow, but it'd be a nice way to write off some taxes on it and slowly accumulate equity + appreciation over the years. good luck!

I need to shift it to only real estate investors that I look up too, if I stay on BP for hours I’ll more likely accumulate more motivation and information.