$Five hundred per month is tough when your primary is stretching you so much.

With about 125k$ on hand I know my best bet to stretch my money would be to BRRR method properties.

Returns vary by product, and 16% is not much of a stretch but 20%+ requires a bit more creativity. 

I just saw a duplex I thought would be a stretch for me at $360k ($395 retail) get listed for $525k.

There’s a very similar property at 5208 Rockland that is trying to rent around $1400 and it hasn’t yet gone off the market so maybe $1400 is a stretch a bit right now?

However, my wife wanted to know we weren’t stretched.

What are some creative ways to stretch that $100k if each duplex was $50k each?

On top of that, in our area, as in many, we are booked completely solid, at full price, for a certain stretch of time, and there's no way I'd want "smart pricing" to come along and screw me over during those months. 

But the point of her helping me is to save time, and make those costs stretch farther and more effectively.Thats why I am asking opinions etc.Thanks Dan.

I believe this is true for pretty much any investor unless they inherit money, assets or property - at least unitl they are in the last stretch of their investment career.So, if I own a rental and a primary, my choice of what to owe money on would be the personal residence.