Did I lose my bet?

You have to pay fees, but you'll have a professional handling issues instead of bleeding money trying to figure it out for yourself, then you have your time free to pursue other things.

Somewhere in the middle is likely your best bet for a 20 year timeline.I have almost 50 units here myself and that's about what my portfolio is cash flowing at this point combined LTV is around 65% as loans have gotten paid down and values have went up.

Some are owned by my ROTH IRA and are making tax free cashflow.

If I did I would been out of my 9-5 4 years earlier I bet. 

I bet your property will do well.

Gino if I was betting that is what I would bet on.. also many students will put these in CC then try to get the CC card company to reverse it.. sometimes the CC card company will do that. 

.*** The first 12 incoming checks are free each year.

keep going after it. run lots of numbers and do a lot of underwriting. feel free to reach out at any time if you need help in your market. these properties that are 3 units are rented and then a cash out refinance that not only makes money but returns full capital to the investor on DSCR loans similar to the interest rate you mentioned above. 

If you're curious about what your current home is worth feel free to reach out, I'm also an agent based out of Green Bay.