Trying to have my cake and eat it too by paying off the mortgage and having that comfort or largest expense being gone, and still being able to scale rental properties with the liquidity of the all in one.

Zelle is free to transfer money, and is owned by 7 of the largest US banks. 

We saw the largest since Covid just this past week.

Where we go down is a side branch which has shallow water, next an island and then the actual river.

The main issue is land... or lack-there-of.

Its an island sticking out in the SF bay..

Property value is land + improvements (the structure). 

If cybercrime industry was a country in 2021, it would have been the world's third-largest economy after the U.S and China, totaling a 6 trillion USD in inflicted damages.

It is on the boarder next tourist areas and the island.

As a GC I'll still try to negotiate a DP, perhaps only 5-10% (maybe even less depending on contract value) in this arrangement, but it's def not a deal breaker if those terms aren't incorporated into the contract since the largest capital outlay is not part of my scope.