Might be time to trade or sell this off for more cash flow even though it still appreciating rapidly.

Albeit your in a much more advantageous position than most to survive the consequences of getting "caught" over leveraged.

You hope either (1) neither lender finds out and or (2) neither lender decides to take action if they find out.Second, you make up the difference in equity with either (1)cash (2) 2nd mortgage loan with the owner with less equity giving to owner with more equity and/or (3) trading something else of value, such as another property, car, RV, etc. 

See what value you provide (i.e. your specialty in the trades).  

Consequently the students do not fair so well.

ETF doesn't offer much advantage over mutual fund for retirement account in my opinion, as you don't want to trade often or cash out (unless for emergency).In general it's recommended to contribute 10-15% of income to retirement account.

I am not in favor of squeezing the last dollar out of trades, just to the contrary.

We own 7 properties that we will start developing in 2025.We are currently remodeling my wife’s two-story home, turning that into two rentals.A developer contacted us and is using our largest plot to build a four-story condo building trading one condo for the opportunity.We drive and live in an 18 wheeler debt-free saving up capital for the next opportunity. 

Also, the time you own a property can affect your tax bill.Here are some of the tax consequences when selling a rental property:Short-term capital gains: A property you own for 12 months or less before selling.

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