Wells, Citi & Chase), but moving all your money for current rates might not be something an investor wants to do. 

Hi @Aaron Raffaelli, you've gotten good advice here as well as some good options.

I’m committed to keeping my options open and continuing to learn about being a landlord to ensure I’m well-prepared for my first purchase.To improve my ability to analyze deals, I’ve developed a two-part plan:Join a local BP meet-up group to discuss my goals and support others.Continue learning and engaging with the BP forum.Thank you again for your guidance—it’s truly appreciated!

Being a NYC resident (originally from Long Island), the price of entry in the area is on the higher end, so I've been considering some options in the NY Capitol region, as well as NJ and CT. 

do you add bathrooms and convert the garage to rooms as well?

Have a steady 9-5 job but looking to branch into real estate investing as well. 

That was my impression as well. 

Even if you only averaged 2.8% appreciation annually, which if you've had it 20 years I have no clue how that's true given prices have well more than doubled in that time, youre skipping over the fact that you have been benefiting from that appreciation on the ENTIRE house, not just the % you paid for.  

I have a call out to my accountant as well. :)

First time investor, hoping to obtain my first duplex soon, and this family land purchase is on the horizon as well.