My goals are financial independence with the option of early retirement, although I will probably continue working.I am not going to withdraw gains from Roth accounts before 59.5 and I am maxing my tax deductible contributions (401k and HSA).My question is about taxable vs MBD.

Dave Ramsey of course believes in having zero debt, but the money you are borrowing was fairly cheap so why not continue to leverage it?

This can also bolster your case if the tenants continue to act in bad faith.

This isn't to be contrarian, it's just not to deal with saturation.If you know these markets, continue to invest.

However, if single-family homes prove financially viable, I’m happy to continue building in that niche.Since these homes and projects are significantly cheaper than my market, the risk is relatively lower for me and can do at least two at a time.The ChallengeOne of the biggest hurdles is finding reliable contractors and subcontractors in the area.

Daniel,Memphis is a great market for investors and we have continually seen growth in both rental rates and property values. 

Simple touches like fresh paint, landscaping, and clean walkways can make a big difference.Highlight Key Features: During the appraisal, point out any high-quality materials or unique features you've added.

-Perhaps the cash flow "lining your pockets" continues for a few years.

You will get great information continuing to be curious and ask questions while being involved!

First off, I really like how you’re thinking beyond just the renovation.. you’re creating a tailored investor strategy that builds excitement around upscale features.