Here's homework - write down 5 ways that debt is positive and can help you.Having a free-and-clear investment property is not even always considered a great thing because it can attract the sharks, lawyers who see it as a huge dollar sign.... better to keep it mortgaged so it doesn't look so attractive.So yes you could look at it as shuffling around numbers, but your ultimate goal (as you stated) is to live off of your investment properties.

Using social media should attract some new members as not everyone knows about BiggerPockets.

The feature that’s most attractive to me would be having a unified payment system that could track and apply late fees.

Refinishing those wood floors will definitely help attract the right long-term renters.Financial MovesTaking out a $20k HELOC for the downpayment is a smart move, and having a plan to pay it off within 12-18 months shows you’re thinking ahead.

I like the cap rates and it's very attractive. 

However, the management of tenants are more and possibility of conflicts could be higher.As for renting the whole house, rents would definitely be lower, since not many household or single individuals can afford paying for the whole house, so most likely you will be attracting a family with children.

The key components that can make Whole Life (or other forms of high cash value accumulation life insurance) attractive are:Tax advantages similar to a roth ira - when you look at the potential after-tax yields over time, this is hard to beat.

Is one more attractive than the other to potential tenants?

Unlike, an independent GC, who undertakes a broader array of projects, Curbio’s project experience will be more uniform and consistent over time (e.g. focusing on a core set of projects, with similarly attractive traits: impactful; reduced complexity; reliable sourcing; etc.).The “as-is” investor approach that you describe should work, as you would have all of the criteria necessary to be deemed a “qualified-prospect” for Curbio, e.g.: sufficient equity to cover a min $15K budget and ample up-side potential to deliver a sufficient positive ROI.

Despite these attractive features, I've encountered challenges in securing qualified renters, as the property has been on the market for the past 30 days.