Hi John- they seem to be in a tough spot related to the Synapse Financial bankruptcy- they've essentially suspended operations and are trying to sort through the mess.

You can definitely integrate Zelle/Venmo into your systems but there's easier ways. 100% agree with this explanation BUT I think there is a sweet spot not mentioned. 

Quote from @Eric Prescott: Yes, I understand that appreciation often means less cash flow and good cash flow typically means weaker appreciation, but there is a sweet spot where there is decent appreciation and sufficient cash flow to cover expenses so that the property pays for itself, and that is what I'm honing in on. 

Both are well kept, in a prime spot, with great rental demand. 

Nathan is spot on.

@Chris Packer Chris, Gino is spot on.

Live in new home while it appreciates for 10 years until I get a faculty housing spot, sell private market house, put proceeds (minus downpayment) in bank for retirement (I estimate this will be 1.3 mil before capital gains and real estate fees based on 7% growth in a very desirable Southern California location), and take out new loan for lower cost faculty housing.

You are in a great spot to re-start your journey, especially with the help of your VA benefits and service to your country.

You are in the same spot a lot of current homeowners are in.

But first let's find the sweet spot!