Then again, if you’re talking about a mortgage on your personal residence, and you live in a state with an unlimited homestead exemption for creditor attachment like Texas or Florida, there’s an asset protection consideration as well.   

I know not typical on here to have such a little amount in loans but we enjoy great cash flow that we live on, have lots of flexibility in what we can do and have no concern about making payments if the economy were to take a dump.

I live in Flagstaff and work for a local contractor.

I'm not sure if you're aware but STRs are not legal in JC unless you the owner live in the building 

On top of that, every Wednesday group live Zoom Calls. 

.: I'm an American living and working overseas.

The latest purchase of the 3 family is a little different in that we will be living in one unit and there are two long term tenants already in place.

If you’re looking to make real estate your new job and to earn cash now to use and live on like a job, then go for cash flow.

And to pile on, if you didn't own this property, then you would be paying $700 or more in rent each month to live somewhere else.It's nice when you can find a hack that allows you to live rent-free, but that doesn't happen often.

For example the PM living within 30 minutes.