If you have a higher allocation to basic necessities, you have a lesser allocation to disposable & savings. 

Here we have items that must go into Public Storage and Items that can be disposed of. 

I primarily focus on tier 2 and 3 cities in New England where I am able to pick up multi family for 100k a door or less, get 10% cash on cash going in and annualized returns at disposal of 25%.

Our current plan is to pay off our largest loan so we add +$500/mo. to our disposable income, which will take about 10 months.

To be able to dispose of assets when we want, to be able to sell easily (single-family homes are pretty easy to sell compared to apartment buildings), and to know that we are in control of our destiny, is worth a lot to me.Also, we can get 18 more mortgages between my wife and me before we have to worry about running out of government-subsidized financing, and hundreds of thousands in future investments before we have to worry about scale.

In the last year repairs on these properties have involved replacing a garbage disposal (About $100), replacing a bathroom vanity (About $100).

Looking to branch out even more into the investment world, especially since I have so much data at my disposal.

That seems reasonable, but I haven't done it yet.3) Fix if it doesn't work (broken disposal), has a risk of further damage (leaky plumbing), or is a habitability issue (mold).

There are a ton of great resources on here to use at your disposal.

I have been talking to a lender that's interested in funding the deal, the only thing is he's also interested in being either full owner and paying me as a wholesaler, making me a partial owner, or allowing me to run the apartment.Because it's in my home city I'm conflicted because I have everything at my disposal there, i.e., trusted realtors, trusted contractors (in my family), trusted property manager (aunt), and my parents.