@Guenevere F.When I started in rental property investing, I found it crucial to set clear goals, leverage existing skills, and focus on scaling gradually.

Longer term, meaning next 30-40 years, Bond market will do what its always done to runaway Fiscal looseness and it will take 10yr up to 10 -16% to put pressure on FED to deleverage the last 45 years of crazy spending, like it had to do from '45 to '82, or 1900-1925, slow and gradual. 

I'm just gradually deleveraging, this next time by likely buying all in cash, and continuing to not lever my properties until cap rates are lower than interest rates... unless I can get cheap and low leverage debt through assumption.

With interest rates climbing gradually and the "potential" for a recession, the need for housing is still at an all-time high and people are choosing apartments for several reasons.

He lived in one unit for two years, fixed up the property, and gradually increased rents.

As you pay expenses for the month, the HELOC balance gradually increases until you effectively have the same principal balance on this HELOC combined with the Mortgage as you would have with the mortgage with an accelerated payment.The picture attached shows the comparison and how the HELOC method averages out a lower average debt level resulting in lower interest.That said, the total savings and ability to pay off the mortgage faster is minor compared to potential HELOC fees and risks, so I don't see it being worth it.I am also new to this, and would love for a critique to show me where this might be wrong.I would share the excel model, but I am not sure how to do that.Thanks!

But I don't think my house fits her budge since she is really struggle with rent payment although my rent is below the market (I do plan to raise my rent gradually). 

I get the whole 'dont fall so far behind market value' narrative but this is a long term play for me to gradually trade less of my time for w2 income if you will.

Start with one unit or a reliable tenant, then gradually expand.

Historically, this market gradually trends upwards, with few dips, and less volatility in real estate purchase and rental prices. 7) The greater ABQ metro area and Santa Fe have a population of approximately 1,000,000.