Thanks for the replies...appreciatedYes, building equity is the game here...SFH and small MFH are for the small fish...accumulate and scale...larger multifamily (above 5 units) are tough to find, difficult to sell...it seems that big players are settling for lower CAP rates (even 4% CAP) and the competition to acquire them is fierce.

There is an emotional component of equity and accumulation that may be less stressful than constantly HAVING to redeploy funds over and over.I'm in Sacramento, maybe the SF option could work out! 

Paying $100 extra/month might nock off the last 10 years at best, but that means you will have unnecessarily paid an additional $24,000 in accumulated $100 extra payments over the course of those 20 years of payments. 

Investing for the sake of investing is not worth it if you or your wife are going to be on pins and needles knowing you've accumulated debt. 

-The more reviews you quickly accumulate helps push your property to top of search results. - Keep studying your competition all the time, it’s how you get better and better.- Under promise and over deliver.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

I do plan to accumulate properties and diversify my portfolio more throughout Norfolk, Chesapeake, and VB (if possible).

For tax purposes, I was thinking to form a American LLC, and have the LLC own and hold my properties (as I would like to accumulate at least 10), and reinvest the cash flow from the home, into buying more properties.

@Andrew Gomez congrats on working hard to accumulate significant savings. 

After a couple years when they accumulated more properties, they contact me for tax help.