OKAY,  you increased your equity position and thus the LTV went way down.So now you have stagnate funds tied up in the property and the new loan payment increases the cash flow.That may well be a very conservative play if you're positive that rates will go thru the roof, but also may have put you underwater if there's a housing crash and prices go into the toilet.IMO, staying liquid in times of uncertainty allows more flexibility.The investors axiom is preserve cash and use OPM whenever possible.

Some people buy to preserve capital for the long term, while others use cost seg depreciation to offset W2 income if their partner is a stay home parent.

Hi Basit,I am trying to legally NOT pay tax on my disabled son's share of the housing cost (ie "rent" paid to me) by allowing him to be a partial owner of the property ... while preserving his access the services he needs like Medicaid.

Our paying tenants should not have to subsidize nonpaying tenants' rent, and I made a promise to my investors to take any step I can to preserve and grow their investment.

Anything I need to consider when the majority of it needs to be preserved?

If you don't/won't learn how to preserve your wealth, find someone who you trust with your life who will and pray they do a good job.Due diligence is life. 

A good broker also has an extensive real estate background and can hopefully increase your odds of picking a winner that would return all 3.  1) capital preservation, 2) income generation, and 3) capital appreciation.