As someone who works with a lot of investors and have assisted new and experienced investors, I would suggest you forgo buying a property for right now and look to build your nest egg in a different way.  

Even with inflation that should be a nice nest egg to live off of if your RE investments don't pan out.  

If you only plan on ever having 2 more investment properties I would probably say pay cash, enjoy them as little nest eggs and enjoy the 2-3k a month they will provide.

Certainly it's a recipe to achieve long-term financial comfort and to ensure that your nest egg continues to grow, but saving isn't going to help you generate shorter-term financial freedom or wealth.If I have a choice between giving up drinking Starbucks coffee everyday (okay, I don't really like Starbucks, but let's go with it as an example) and figuring out a way I can earn an extra $1000 per year to cover my Starbucks purchases, I'll go for the latter.The reason being, I'd never waste time striving for an extra $1000 per year -- instead, I'll strive for an extra $50,000 or $100,000 per year.

Put a nest egg together had about 120 thousand or so. 

Over time, it can grow into a nice nest egg. 

Its a nest egg for retirement.

If you had a steady job and a nest-egg this may not be necessary right now.

You stirred the hornets nest of the "refi till you die" crowd.

Because some of us have a nice nest egg saved up?