Then after that is achieved, we will begin saving for a down payment on our first house that we plan to buy in the next 2-4 years.

The other motivating factor here (for me) is that I want to move my mom into one of the units so she's close by.

I currently own two properties in California, and at 21 years old, my goal is to continue purchasing properties and eventually pay them off to achieve financial freedom.I’m considering two options:1.

How long can you do that to achieve your results?

Why are they selling if it's achieving one-percent rule? 

Otherwise, you can end up being a motivated seller which is exactly what you do NOT want to have happen. 

If you need to do Skip Tracing, mailers, and "Propstream", you don't understand the concept of motivated sellers, and that is why so many of you struggle.If you do not understand the concept of motivated sellers, how do you expect to be successful in finding them.I recommend you read my post here:https://www.biggerpockets.com/forums/93/topics/1215116-all-i...

Even we knew we can achieve above average from the get go.

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

My thoughts were the same about financial advisors, because you can’t be certain of motives in their advice or their own agendas.