Traditional investment concept (stocks, bonds, CDs, 401Ks, etc.) is to accumulate enough capital so you can later draw-down (withdraw) funds over a period of time.

Because things went well and prices were so low we decided to keep buying through the downswing and ended up accumulating the 13 properties.Fast forward to today, and we haven't purchased a property in 2 years and only have 1 small HELOC of debt on the rentals which should be paid off in the next 12 months.  

So if you have a long term gain of $100,000, instead of being able to re-invest the full $100,000 in a 1031 exchange, you will only have $80,000 if a LTCG or $57,000 if STCG.If you're a mom and pop and buy 1, 2 or 3 properties in your lifetime, its no big deal, but if you are an investor who wants to accumulate more and bigger properties these changes will slow that down. 

Any of you out there seek other means beside waiting around and re-accumulating cash slowly?  

1) Change my degree to finance/real estate. 2) Get a credit card (to start building credit) and use it for small things and have the balance automatically paid off each month. 3) Get a job as a loan officer, leasing agent, property manager, handy man, etc. to save more money and have W2 income. 4) As soon as you can qualify for a loan, find a house near your college campus and use your $25k savings to buy it as your primary residence, then flip it while you live there or rent it. 5) After you graduate, use your additional savings you were able to come up with to buy another house to flip/rent. 6) From there decide if you want to keep working a job and invest in real estate on the side or use all your savings you were able to accumulate in college (because everything is paid for!)

It just takes more personal discipline to not spend the build up of cash and put it toward your home loan regularly - once a year or whatever works for you.Mortgage acceleration really depends on you having a surplus at the end of the month or pay period which can either accumulate in a line of credit or some other account you choose.If that's not where you're at, you may want to devote your efforts to a "debt snowball" first to pay down your unsecured debts first (3 to 5 years or more, depending), then go with the mortgage acceleration.Hope this helps ...

Would you: A) PartnerB) WholesaleC) Stay patient and re-accumulate cashD) Something else??

Our plan is to eventually accumulate rental property or whatever the journey of real estate take us.  

Here are some of the pros and cons that I see:Pros:Property management costs would be lower over the life of ownership due to proximity of homes in portfolio, low maintenance flooring, siding, etc.You could build them with more robust systems(HVAC, plumbing, etc) knowing they would always house rentersYour portfolio would be concentrated as opposed to spread all over a geographical areaYour exit strategy would be super attractive if you were to sell as a packageQuicker than purchasing and potentially rehabbing an older property, and accumulating them one by oneYou could sell a percentage of them to recoup a portion of your investment, and rent the rest, which should put you with solid equity from the gateCons:Entry costs and length of time from start to first months rental income for constructionFunding the construction, or finding the right lender to fund such a property/developmentKnowing the correct price point of the finished product, or what the community is lackingLocal zoning or possibly being prohibited to build SFH to rentHigher construction costs vs. multifamily(apartments or townhomes)I know there are many other strategies out there, but as one wanting to accumulate a nice rental portfolio, this seems to be a solid approach.

I've owned 1 rental property for 6 years now and my goal in life was to accumulate enough to become financially free.