It’s also a great strategy for consolidating debt or accessing additional capital for growth.However, be mindful of potential prepayment penalties and how they weigh against long-term savings.

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@Joshua Morency I started out by househacking a 3 bedroom rental allowing me to basically live rent free for a few years while I saved up enough money to buy a condo. 

We like being aggressive in stock market investing but more conservative in real-estate given that we plan to use that for cash-flow eventually.The options are:We expect to have $200K/year in taxable savings the next 5 years (barring a job loss)- Pump all savings to the stock market & keep the current rental properties as-is and payoff the properties over the next 15 years using cash-flow for snowballing.

Saving 20% down for an investment seems almost impossible today.

If you still want to get my personal opinion about any of this or other things, feel free to send me a DM and I'll share it in private.

Save these for future use somewhere else.) 

If you buy with a tenant in place, you save yourself the hassle of paperwork and inspections upfront, but you miss the chance to screen the tenant yourself—which can be risky.

Eliminate debt, establish a budget, and save.

Sounds like a lot of moving parts and hoops for the amount of tax savings, but that's just my risk/reward profile speaking.