I know not typical on here to have such a little amount in loans but we enjoy great cash flow that we live on, have lots of flexibility in what we can do and have no concern about making payments if the economy were to take a dump.

I enjoy helping Bigger Pockets members and teahing all the loopholes I have found out over the last 18+ years!

I enjoy helping investors and other BP members avoid this very thing you just suffered. 

Landlords can enter a tenant's property for a variety of reasons, including: Making repairs or replacements Responding to a tenant's request Removing unauthorized window coverings Preventing waste of utilities Changing filters, testing, or replacing smoke detector batteries Inspections Helping with an emergency inside the unit Posting a notice of eviction"Research your state laws because some of your comments indicate a lack of understanding of the landlord/tenant laws where you are operating (like threatening the tenants to keep the security deposit if they don't respond to you, I doubt that is actually a valid reason to keep their deposit, or evicting for late payments, or charging the tenants for your warranty repairs because you missed your 11 month inspection window which was your responsibility, and it looks like your lease says you can charge up to 18% interest for unpaid fees, is that actually legal?).

I enjoy finding creative ways to monetize normally overlooked spaces at my rental properties. 

However, though I don't know the actual numbers it seems like the home would offer so many more amenities I would enjoy as well.

I will do the same thing with the rentals that I did with my home. ...less debt equals less money needed to enjoy the freedom.

Don’t skip safety stuff either—make sure you’ve got working smoke detectors, fire extinguishers, and a first aid kit.

At the end of the day, Panama City Beach and Destin offer more potential for consistent returns, fewer regulatory headaches, and the added perk of a beachside escape you can actually enjoy.

We are only very moderately leveraged, but I am in no rush to change that and rather use the cash flow to re-invest either into upgrades (we are doing a ton of driveways this year) or more RE.I don't think there is a right or wrong way, like you said there are many different ways, I just find myself adjusting every year a bit more in that direction. most condos historically are not great appreciation plays. its a place to live and enjoy.. unless said condo was bought in Miami in 2008 to 2010 :)No $#@% mate.And Chicago has been a disaster for many years now.I pinged Bri about it a while ago and she said "Good luck" hahaI guess it's more a trophy property than anything else during my "ego" pumping days.A bit older, balder and smarter nowadays I guess.Less is more mate lol