I had a friend who came to me early '09' in a panic.

Hi Jeffrey,It sounds like you're in a great position with your rental portfolio and cash savings, and I admire your commitment to keeping your investments!

To stay secure, I’d recommend saving 3-6 months of mortgage payments, budgeting for repairs, and possibly investing in a home warranty.

Plus, you’re close to paying it off, and owning it free and clear in a few years would only boost your returns.

You will make a better return with less risk keeping your money in a CD or bond. 

It's in a B/A neighborhood.

Use PassivePockets and invest in a large syndication deal?

We hadn't changed the rents in a while, but they weren't moving. 

Yes, you bought what seems like a good deal on paper, but in reality, you own an old apartment building in a neighborhood with poor security, possibly surrounded by long-vacant shops, streets piled with garbage, and a poorly managed community.

I an afford to sit on this property as its in the Yosemite AirBnb hot spot and don't need to do anything right away as its in a killer location.