At which point we diverted 100% of future increase into savings. 

Definitely a lot of options for the future! 

Not sure I would do both in the future.  

Purchase price: $260,000 Cash invested: $9,800 owner occupied, future rental property

Consider the long-term strategy for building equity, saving on living expenses, and setting up for future investments.Good Luck!

Paying too much initially can significantly impact overall returns, emphasizing the need for thorough due diligence and possibly more stringent financial analysis before purchasing.For future investments, consider leveraging local market knowledge further and refining your property evaluation techniques.

If maximizing your capital for future deals is the priority, then selling and reinvesting could be more beneficial.I’m happy to help you run the numbers or dive deeper into the financials if that would be useful.

When a tenant moves out, transfer the deposit back to Checking so it's ready to apply towards expenses or refund the Tenant.If you end up with excess funds in the Checking account, I recommend you transfer it to a third account designated explicitly for future investments.

Which is basically valued on current and future growth.

With that said, vigilance is still necessary to stay abreast of current and future legal changes likely to impact your estate plan.