Here’s some context: Property 1: >$100k in EquityValue: $325kDebt: $220k @ 2.88% (30-year fixed)Property 2: >$70k in EquityValue: $325kDebt: $252k @ 3.38% (30-year fixed)Extra considerations: - I have $15-20k liquid to use for any of these deals- My current job is relatively stable, but not high-payin- Current properties in TX, living in NY, looking to invest in Mid-West (crazy, I know)- No other debt obligations besides the two mortgagesUltimate goal/timeline: Though a bit ambitious, I’d love to build up the portfolio to 10-20 units in the next two yearsI understand that any/all replies aren't financial advice; all ideas welcome for information purposes. 

I’ve had cases where it seemed like an easy fix, but dog hair can be a real nuisance that requires specialty equipment or extra cleaning hours.

7% is probably good for projections, but I would ask whatever bank you're planning to go with where they're at and factor in an extra 0.25% to be safe.

The real power of single family residential comes with stable, consistent markets that chug along, have good rental base/demand and growth potential. 

If you've already lived there for 15+ months, some lenders may not require another full year post-refi—definitely worth clarifying before making a decision.At the end of the day, it comes down to how comfortable you are with a higher fixed payment vs. keeping extra liquidity.

A little extra diligence upfront is worth it to protect your property, your cash flow, and your sanity!

Additionally, bank statement loans could be an option if you stay in service and deposit your tips consistently.

If multifamily options seem scarce, consider house hacking single-family homes with extra rooms or an ADU for cash flow.

Monitor your spending habits to make sure you’re consistently putting money aside for both the short-term and long-term costs of real estate. 

As I dive into all the different paths I can take (single family vs multi-family, short term vs long term, cash flow vs appreciation, local vs out of state, etc..) my mind is scrambling and I've ended up doing nothing at all.I'm looking to join a mastermind that meets consistently and can really motivate one another to take our businesses to the next level.