The only change I have is I'm a little bear-ish on Lubbock overall - its a very linear market that doesn't have a ton of "job pull" like other markets have (tech/aerospace).

Bitcoin is an intel job to make you believe you a part of something different.

Not much industry for decent jobs.

But we already get deductions for maintenance, repairs, and improvements.

The easiest and straight forward option would be, as you said, to sell the current residence, payoff the HELOC (or most of it) and then get back to saving with your jobs and the rental cashflow.

Our team transformed the property by investing $35,000 in targeted renovations, focusing on modernizing its appearance and improving functionality.

Hey Rich,I'm only at 21 units (closing on another 4 next month), but I work a full-time job and also got my real estate license this year, so my plate's pretty full. 

The important part of investing is the calculations of a deal, having capital, and a W2 job that will help you get loans.

Marketing and home improvement activities may count as well, provided they are directly tied to property operations.2.Time Spent by OthersThis ties back to keeping a logbook.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.