As much as i hate to, if F4F doesn't call me tomarrow by noon i will go to my awesome bank- but still a bank and hope they will give me the credit I need to secure this place and begin participating in this amazing market, and no more rationing food by the 15th of the month while my wife Drs. hound her for higher protein in her diet.  

I've been on strict diet since August and have already lost close to 30 pounds and almost at my target weight.  

Hi Scott,It sounds like you are in a great financial position, congratulations on making it to where you are at.Now, regarding your questions, there are a lot of details about your situation that we don’t know, so remember there is no one “right” way.My opinions:- Keeping your house as a rental may be a short term plan, but the return is too low, that equity could be put to better use elsewhere- if Airbnb is the only way to make money, it’s probably not a great investment - I also went through a Dave Ramsey phase where I wanted to eradicate all debt, but your mortgage is cheap money @ 3.1%, so if your month to month financials are under control, which it sounds like they are, Is your “extra” money better used making 3.1% return by paying down your mortgage or investing it elsewhere In your situation I see two options I like:1) sell your house, if you got ~250K (I’m guessing from your post) you would net ~160-170K after mortgage and sales expenses, plus your 60K saved, you would have about 220K to work with I would want to hold some of the cash for an operating account ~3-5K per door, so if you hold back 20K for operating, You could buy up to $800K worth of property @25% down- Buy a multi family to house hackand, on the rest of your investments, if your local market does not offer good enough returns, consider investing somewhere else 2) you love your house, you don’t really want to moveLook at opening a home equity line of credit on your primary residence That could give you access to ~127.5K ((250K*0.75)-60K owed)127.5K+60K savings = 187.5K to work withRegardless of your decisions above, focus on buying good cash flowing deals Best of luck

"The Real Secret of Success Choose Your Suffering.Everything you want in life; every goal you want to achieve; every dream you want to manifest: all comes with a price tag.Legitimate success in any endeavor requires that you pay upfront, in full and with your own sweat.There is no other way.To achieve any goal, you must choose the suffering that is right for you.Subsequently, you must live with the consequences of that decision.The moment you choose to not continue to pay the price of success, is the moment you choose to suffer the consequences of failure, which is, the WORST kind of suffering.The suffering cost of failure is ALWAYS higher than the suffering price of success.The cost and consequences of success in a job, relationship, career, or any area can cause a monumental amount of disruption and chaos in your life.Here are some examples of the suffering costs of failure:If you lack financial discipline, you will suffer the consequences of debt, harassing bill collectors and sleepless nights.If you do not manage your diet, you will suffer the cost of diabetes and poor fitting clothing.By not keeping your promises or honoring your commitments, you will suffer the loss of reputation and contaminated character.Sooner or later, each of us must choose to pay the price of success or pay the cost of failure.Sooner or later, you will come to the understanding that you MUST choose your suffering.The price of success is often more than people are willing to pay.

I'm so bad at buying into the hype and end up buying whatever people are selling whether it's the latest get rich quick scheme, diet fad or the newest blender!

Thanks @Wayne Brooks and @Chris Winterhalter I have run about 12 Half Marathons in the last 6 months, and have measured performances based on diet especially juices - the juice bar is going up.

During my stay here, there was a bed bug infestation which I had attempted several times to eradicate in my personal dwelling.

Had a pest control guy come out and tell me how bad a squirrel problem was in the attic and what it would cost to eradicate them and seal off the entire attic.  

I closed a triplex house hack in Los Angeles and this loan has helped me cash flow my property effectively eradicating my personal housing costs (and providing a nice income).

The few % points better than another city could offer might be completely eradicated by someone who's not watching out for your property.Hope all of that makes sense.