Depreciation also is a huge benefit that you can keep going as long as you are investing in real estate.There's always ways to make your life easier without paying those pesky taxes.

Earlier in my life I only did 2-4 unit buildings, they always had rates fixed for 30 years, never had to think about impending rate resets.     

They can be friendly and helpful or they can make your life miserable.

My take after well over 20 years of investing in real estate is that if you want to continue to enjoy a great and profitable career and also have a life, that you consider taking @Jim Pfeifer's advice.

I think like anything in life, things are healthy when moderated/in balance. 

But ultimately, balance what works best for your finances and your life goals.Good luck with your decision!

We don't have kids yet, so we knew this would be the most comfortable/convenient time in our life to house hack.

If they are paying out 5% rates to their customers to relend out they usually need at least 150 spread to make any money.CMBS and LIfe Insurance can be lower on the interest rates but you can get yield maintenance or defeasance which is very expensive if you want to break the loan early.

I have worked harder than anyone else for my dreams in life and I do not plan on stopping now.

As mentioned one of the top is being able to get a new construction investment property and own it for the best years of the properties life.