@Jorge Caceres  too bad that can be expensive.

If you do not have liquidity keeping money liquid in stocks has value, whereas if you do not need the liquidity then yes recasting the mortgage may not be a bad idea. 

Agents, tell me why this is a bad idea.

I don't think it is a bad idea to find work in real estate somehow as it will allow you to be comfortable with being around it in general, such as a property management company.

It's not so bad when you only have one property but with a portfolio of properties, it can take up a lot of time if they keep switching all.

You can do a duplex though, which might not be a bad idea.With your credit score, conventional might be a good choice, you only need 5% down for 2-4 units if you live in one. 

Yea, this may be a bad tenant, but you have to know how to manage that and not get all twisted up in back-and-forth pettiness.

I am really inspired by people who a take something that 95% of other investors would pass on and make it work exclusively for them through sheer will and creativity even with bad market conditions.

For anyone starting out in real estate, I hope my story gives you a sense of what to expect (the good and the bad!)

The marginal returns drove me to seek other strategies.So, this is not a "bad" deal if you consider it more of a learning experience than one that will make you a lot of money.