If you continue shaving off your expenses, redesign your holistic approach to asset accumulatio toward things that directly influence your ability to become financially free, get this raise, and take some synergistic and calculated chances at some opportunities, you could definitely accumulate several years of runway over the next two years and be in an excellent position to make the dive into entrepreneurship, relative to your current position!

I recommend you look at your situation from a holistic perspective and not just purely from a financial perspective.

I do want to look into the water sensor -- that's a good idea.Your specs above are a great way to start with a holistic architecture. 

Seeking holistic health, which has been effective, put us in some debt.Started looking into investing and moving to Mesa where my doctor is located.

But custom touches like how to arrange the cabinets, how high they sit on the wall, where the pantry unit is, etc, all has to be thought of in a holistic manner.

I also plan to operate (eventually) the non profit I started (holistic healing for trauma survivors) partially out of this property and an LLC (events etc.)

I have big big goals and dreams for this and it is my true passion, I have a background in holistic therapy and doing this work brings me so much joy!

Breakeven here is about 115 months.Although, as of today, I do plan on holding the property for longer than 115 months, I'm still gravitating toward the 20% down payment because I know I can go out and deploy that $5.4k cash outlay saved in productive ways that'll yield me over a 10% return.Am I thinking about this holistically?

How holistically trained are you to do the required adjustments to the current market?  

Prices in some areas have gone up a lot, others the houses sell quickly, but the prices haven't gone up that much (if at all).Thank you for the advice, I feel I may be thinking holistically about this rather than in my general area of interest.