I feel in this market it is difficult to get outsized returns (S&P seems very hot and might be hard to sustain 7%+ returns in long term.. but even if so, I’m risk adverse so would probably keep it my HYSA)I did run the numbers if I were to prepay $60,000 now and it appears the IRRs are lower (because of the higher cost basis).

Therefore, the city you choose must have significant and sustained population growth.Sufficient rental income to replace your current income.

This is like completing the bridge, providing a reliable path to sustained financial success.

With you subsidizing this every month will it be sustainable for you? 

If one year from now I see this is a viable business that makes me an income that can at least sustain my life at 70% of what I can make working for someone from paycheck to paychek, and see potential for growth and reason to do this full time, then I can take 60 hr course, pass MD exam and get a Broker to sponsor me as REA.

And the properties of the city see sustained growth.

**Rental Income Potential**: The property generates a monthly rental income of $4475, ensuring a sustainable cash flow with an expected growth through yearly rental increases.factors that made this deal attractive:1.

This stability can provide predictable energy costs for your properties.Environmental Benefits: Utilizing solar energy reduces your properties' carbon footprint, contributing to sustainability goals and potentially enhancing the appeal of your buildings to environmentally-conscious tenants.Regulatory and Permitting Considerations: Make sure you understand the local regulations and permitting requirements for installing solar panels on multi-family properties in New Jersey.

It's another if you look at it as a sustainable source of income, which what business is.

Income (W2/business) comes sustains RE, RE doesn't sustain income, at least for quite some time, unless you happen upon a unicorn property.Then buy a multifamily place, use everyone's income to get a loan on it (there are financing programs around this) and have other people help to pay your mortgage.