He had one of his more experienced staff reconstruct my books on their system, which includes, asset costs, depreciation etc. and reviewing the balance sheet, it was totally different than what I had.

., proportionately) from any traditional and Roth balances in your account.

When buying a primary residence, there is no limit of financed properties with many lenders, although some are still going to have overlays and limitations.On your second question yes, you can always pay your loan off with cash, or pay down your balance, and later refinance. 

Every month I carry cash to my bank branch to pay down the balance of my mortgage, I've been doing it in the last 6 months, because I happened to have cash.I know if I do the same thing to my checking account, it could be flagged to the IRS as "structuring" or "smurfing", but does that apply to mortgage too?

Purchase Price: $49,500 (Current 15 yr Loan Balance $35K ---- $435 per month PITI)Current Value: $130,000Rent: $925Our initial strategy was long term buy and hold.

Good news part: My current interest rate is a VA loan with 3.25% on $405,000  balance & my property recently appraised in the $1.1 million range (really good part)Seeking the HOW!

How did/do you balance young children, working full time, and still moving forward on the goal of good management and more properties?

Housing supply and demand is so out of balance.

Trying to establish a work/life balance will be tough.

They simply have a balance sheet with a number (amount in negative) they are at and want to get that as close to zero as they can.