I'm also scared playing those inflated prices in case the market does settle a bit.

Due to the steadily increase of inflation on my country every year i realize my future after retirement was in jeopardy so i decided to start doing something about it. 

Prop 13 allows for property taxes to increase at the lower of the rate of inflation or 2% per year and allows property to be reassessed upon a change in ownership. 

Give me your best inflation adjusted number if possible.But in general, here are my assumptions when I look for properties:SFHcapex: 2250maintenance: 500total: 2750Duplexcapex: 3100maintenance: 900total: 4000Triplexcapex: 3900maintenance: 1300total: 5200Fourplexcapex: 4800maintenance: 1600total: 6400

Where are there opportunities in out “hot/inflated” market?

You do have the leverage on Real Estate that you can use that isn't typically available to the owners of stocks.Also, depending on how you have your portfolio structured in terms of financing, real estate should be a pretty good hedge against a inflation.I know we haven't had real inflation in a generation or more. 

Off market is great too - maybe via wholesalers, but often times those numbers can be inflated.

Which many times prevents other buyers from offering an inflated amount that no longer becomes a great deal. 

Lifestyle Inflation / Keeping Up With the (broke) Jones'When your other dentist/doctor buddies invite you to the country club, are you going to pay 5 figures a year to become a member there eventually?

Investing in stocks is not guaranteed to give you greater than 6% return each year (to at least match what you're paying on the loans) and if you consider fees and inflation, the return you need to get is probably more like +10% to at least break even.So I guess this all boils down to: 1) If you have an investment opportunity that can return you +10%, don't pay the loans off early and use the extra cash flow to invest2) If you DON'T have an investment opportunity that can return +10%, use the extra money to pay off the loans (until you come across a good investment opp, then divert any extra money/cash-flow into it instead of into the loans)Just my humble opinion :-)