Jeff and John are extremely reasonable and may give you a handful more great ideas based of what your end goal is.  

And I'd argue the average rents can be increased nearly 30% based on the current FMRs in the zip code.

Based on what you shared you are not financially qualified to own real estate.

., HVAC tune-up, plumbing fixes)Deep clean entire property pre-listingEstimated Cost: $5,000Total Estimated Renovation Cost: $145,000Project TimelineWeek 1-2: Planning and DemolitionFinalize design and materialsObtain necessary permitsBegin demolition (kitchen, bathrooms, floors)Week 3-5: Structural and Major InstallationsInstall new cabinets and countertops in kitchenComplete bathroom tiling and vanity installationRefinish or replace flooringWeek 6-7: Painting and FixturesPaint interior and exteriorInstall lighting, hardware, and plumbing fixturesWeek 8: Finishing TouchesLandscaping and curb appeal updatesDeep cleaning and stagingTotal Timeline: 8 Weeks*This link comes directly from our calculators, based on information input by the member who posted.

Across the remaining portfolio, I have a really good amount of equity which I can tap into based on opportunities but need to finish cleaning up my personal debt prior to going that route to get best rates etc.

I would only underwrite based on actual rents not proforma.

Based on your advice to newer investors, should I play the long term game by paying off my house early (2030)?

Based on what you're telling me, I'd also advise you to begin the process of evicting/non-renewing the lease.

These forums are a great place to learn and connect with fellow investors.I’m an investor based out of Columbus, OH.

Real estate is so localized that most federal based policy changes don't have massive influence.I can see him (semi-)privatizing Freddie/Fannie.