I get that having a paid off property is very comforting, but to me it's not the best move if you're trying to grow. 20% down and 3% annual appreciation means you're making a 15% return on your downpayment. 

I house hacked this 4-unit property start year of 2022, moved out in a triplex in 2023.

It is is going to calculate the expected price based off what you tell it as well as what Price Labs sees in the local market.I questioned myself moving to price labs after I had been doing this manually for several years.

If you are moving from your SFR to another property, then you should be able to get a 5% down loan or even 3% if it's FHA.  25% is only if you won't be living in the property in my experience.

I have debated about moving a house onto the property and either selling or renting the property or subdividing the property with multiple homes or even several tiny homes.

We completely gutted and finished the basement including adding a kitchenette and 3/4 bath, moved out and are now renting both apartments.

Real Estate, Wellness, and Community ImpactAs I move into 2025, I’m focused on deepening my faith and prioritizing wellness, mental health, self-control, and discipline.

I think the future is bright for the area, many young people are moving out of the city, and Kingston is the getaway to the beautiful Catskill area.let me know if you need any help.

if your projects were profitable, why not find other investors and pay them the loan and move on? 

Couple of days ago a tenant complained that tile grouts were missing and tiles were moving in the kitchen area as attached.