I hear about all these different markets and get excited, but I knew I needed to pick one.

@LaTonya Clark “One  can’t tell but I do know part of me is willing to take a chance”…You make it sound as if real estate investing is no different than gambling….

From there every 20 point increment affect pricing differently.

You have used home equity lines of credit to purchase investment rentals and want to know the best way to pay down the HELOCs.Between the two properties you bought, after expenses, you have $250 a month positive cashflow to use.What I like to do is pay down some principal every month with my positive cashflow.I use my extra active income from real estate commissions helping other investors to pay down the principal even more which just frees up that credit for me to use again.I know I can refinance the HELOC debt before it changes to principal and interest as it is just interest only payments as yours are.One difference is the cashflow, I have greater positive cashflow and could make the principal and interest payment in the future with the extra cashflow I already enjoy.I always get HELOCs on my income properties as well after purchasing them to pull out as much of my downpayment as possible.

I work with multiple different programs through our housing authority ("Section 8" and similar).

Although they may seem similar, there are large differences between active and passive investments.  

I try to evaluate a unique property 2-3 different ways, then make a highly educated guess based on my knowledge of the market.

Then we keep the accounting straight via Quickbooks with each unit a different Class.

I've replaced a few over the years, each different for different size properties around Idaho Falls, ID.

Each Prop mgr will be different but yes, mine would handle all of those things that you would need.