Even in today's aftermath of the housing crash banks will loan you more money than you want to borrow) Put your 3.5% down and save the rest for vacancies and operating expenses.  

I am using Firefox on both devices, IExplorer crashed months ago and wont relaunch. 

But I suffered through the last crash and did a lot of "how did this happen" thinking.

I am from Northern Virginia, I bought my first rental property when the market crashed a few years back with the help of my mom.

There probably will be another big housing crash soon. 

A three day crash course?

We are thinking of using our equities again to do some flips before the next crash (just kidding...).  

It could be days, it could be months, it could be the next market crash...

South/Ozone Park area of Jamaica used to be reasonable but the affluent westindian diaspora community have really built up the values in the past decade despite the market crash!

Your answer to that question should also apply to your scenario of sacrificing cash flow to crash debt on one property vs building up cash flow to apply as down payments on other properties....or potentially just spending on something else i guess.While most of the people would prefer more properties and debt, that requires a long term hold, careful cash management and less, if any emphasis on future appreciation....at least in terms of counting on any.