It's like  race cars; they look great on TV, but once you get close, you see all the dents, scratches, duct tape, rock chips, etc etc.

Your other option is "full risk reduction" which means you must remove any Peeling, chipping or cracking paint from anywhere on the property.

Once we got up to a certain level, I realized I wanted to start chipping away at the debt and be "mortgage free and comfortable" over having 3 or 4 more buildings.

Here's an idea, don't eat paint chips!

Thanks for the mention Paul and @Rebecca CirisanI'm always happy to help with my raw advice :)I don't wish to get caught up in the turnkey "seagul chasing a chip" thread heheheMy email is in my signature so Kevin can freely reach out if he wishes to do so.Much success

One last thing to consider is that this really only works if at the end of the 10 years, you are willing to cash in your chips and move somewhere cheaper.

Do you see cracks, chips, peeling, rotted wood, rust, settling anywhere?

Buying in San Diego is buying a blue-chip stock.

I did the repairs to qualify for the loan before the VA appraisal/inspection (hot water heater, drywall fixes, chipping exterior paint etc.)

So your not saving money anyway, your ust giving yourself a small bargaining chip.