Used a loan to attain the property.

To attain lifelong financial freedom, you need a passive income that meets two requirements:Rents must keep pace with inflation: Inflation consistently erodes the purchasing power of a fixed amount of money.

With your household income your goals should be very attainable.

Financing very difficult to attain 30 year money after Rehab on commercial PUD designation but I did it given resourcefulness in the Jacksonville Market and network.

I would encourage you to look at RE investing as a way to augment your income, create passive income streams and allow you to have a life/work balance that few physicians are able to attain.

If you have caution because of the rates, I do respect that, and no shame in not getting the 3/1.5… if the 3/1.5 is attainable for you, of course I’ll agree it’s the better asset. but if worrying about it somehow makes you continue to decide to pay for someone else’s mortgage as a renter, at the rate of 100% interest and 0% principal, I would always say, buy. 

The only way you can get to a level that most people don't attain is to do things that many people aren't willing to do. 

I've spent a lot of time checking out Multi-family properties in East Falls and Manayunk, and your price range of $200-250k is definitely attainable (maybe not 100% turn-key, but pretty close). 

Once I feel I am at the point where I can't personally manage all of my properties, then I will look to attain a PM.ie. 

To attain lifelong financial freedom, you need a city where rents and appreciation outpace inflation.What causes rents (and prices) to increase?