We will put that $95,000 into the emergency fund and continue to save money until our next purchase.

Max price point would be around $350k but the lower the better.Any other emerging markets / cities in the US that would be good to get into?

Just another opinion from an inspector and investor perspective: it is important to have an electrical shut off switch (at least 6 switches or less) to kill all power to a home in case of an emergency.

That included my personal emergency fund. 

We will put that $95,000 into the emergency fund and continue to save money until our next purchase.

RPA is a Milwaukee based non-profit and your support is appreciated.We are hosting an emergency Zoom call tomorrow with Atty Tristan Pettit, anyone can join, details under RPAWI.org

@Spencer Herrick Do you have an emergency contact.

Plan for Economic Downturns- Emergency Fund: Maintain a cash reserve to cover unexpected expenses and vacancies.- Diversification: Diversify your investments to reduce risk, including different geographic locations and property types.Your excellent credit score, lack of personal debt, and existing portfolio put you in a strong position to expand.

That pot of gold you are eye balling for 2060 is only a few natural disasters, recessions, market melt downs, health problems or unexpected emergencies away from expurgation.

My thoughts:  The HELOC might be a good emergency fund, but basically it is a large credit card.