I highly regret not being further ahead of where I am currently financially to where I could provide more comfort to those I care about during their vulnerable times in their life.You see, wealth is not just about you.

My wife is a high earner and this is my only job.

Where did you get that value?  

We have an existing mortgage (backed by these 2 lots and 2 others) and given the increase in appraised value there is no need to pay anything back to the lender when selling the lot.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Quote from @Cameron Valentine: You're right—finding cash-flowing properties with 20-30% down in Tampa is tough right now with high prices and high interest rates.

I know it helped our value.

Let’s dive into the latest stats and what they mean for investors.Gastonia (28052) – High ROI & AffordabilityReturn on Investment (ROI): 8%Rent-to-Price Ratio (RTP): 12.38Average Price per Sq.

It is also providing great experience for them so win win.   

Given statement of condition, I would think value-add is the opportunity at hand.