Doing additional payments will shorten the life of your mortgage and save you a lot in interest. 

I've house hacked twice in Reno, NV and it's changed my life. 

Someone's home is one of the BIGGEST and MOST IMPORTANT things in their life!

I want to utilize my arbitrage to obviously use for my personal life but also to create a hefty fund for investment properties later on the line. 

Businesses are “living” organisms with a life of their own, usually having deep meaning to their owners.  

I’ve lived in Wichita my whole life for the most part but haven’t been over in the that area too much.

This requires an income that allows you to maintain your standard of living throughout your life.

Sub 30k houses are an absolute disaster with a tenant pool that will destroy your properties and make your life miserable.

If the tenant is truly struggling due to a life event, the sooner we can work together to get her somewhere she can afford (and not have an eviction or negative credit report on record), the better for all.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.