I do have some investment experience and I'm currently managing 1 property, all the numbers are great and there's a good amount of cash flow and long term growth so I'm not a total green horn. 

If you just take the 13,835 financed at 6% you are adding 83 dollars a month. so a double whammy.Now, lets consider if rates drop to 5.5% in 24 months (not a prediction just a what if) and you could have refinanced at a much lower costs then the above scenario in what you paid in pre-paid and additional interest. on the other hand, if rates for your same scenario after your 5 year payback period is 9, then you will have an asset with a much lower then current market rent.  

Translation, $2400 per year.I currently just have insurance liability up to 1 million per property.Since I will be getting married and as married, you are considered as one, I’m wondering if I should LLC them due to the new wife becoming also a new liability in my life.For example, she causes a big car accident and ends up getting sued.

Are you currently analyzing any specific deals or markets?

I currently live in Phoenix, AZ but I'm looking to purchase land and put two prefab homes on it with my business partner.

Looking for a current discount code for Pro Membership 

That said, even with conservative rental income estimates, my living expenses would eventually drop to several hundred dollars less than what I’m currently paying in rent once the house hack starts generating income.I do have cash reserves to weather some rough patches, but the idea of pushing my budget this hard makes me uneasy.

Currently renting both apartments for a average monthly cash flow of $1000 Lessons learned?

I am trying to get my RE License and I am currently enrolled in AYPO Real estate course.

Switch Lenders: I’m currently working on refinancing (six other properties), so I’m thinking maybe I should take everything to another lender who might be a better fit.