We have retirement accounts, a small private stock market account, and an emergency fund. 

@Gregory Banks I can offer some practical advice and referrals.

Here in Portland, there are a couple of different landlord groups/companies that offer pre-made forms.

Areas in PG County Maryland or West Virginia, for example, might offer better opportunities for cash flow with a smaller down payment.That said, if you’re willing to hold long-term, Northern VA can be a fantastic place to invest.

While it does offer stability in rental income, there can also be frustrations, especially around dealing with inspections and bureaucracy.

4) What you are offering?

I see a lot of potential in your situation, and I’d love to offer some insights based on my own experience and what I’ve seen work for others in your shoes.A couple of years ago, a freind of mine, also a sole provider for his family, faced a similar dilemma.

I have $55K in the stock market at the moment and plan to save (and grow) the remaining in the stock market until I have enough to pay off the entire mortgage. 

It’s a tax office, so I suspect they might be waiting to see how their business performs and the impact of technology before deciding.Thanks in advance for any advice or insights you can offer!

I know your company offers a neighborhood ranking of A through D in Detroit, but it should be pretty clear just by taking an afternoon drive through the 'hoods, right?