The  neighborhood I am looking into  is  Washington Village/ Pigtown.

Also, let's be real about Columbus - there isn't much there - Ohio State is a MASSIVE anchor, there is virtually no downtown (even though it's also the State Capital..) ... areas like the Short North, German Village, Italian Village, etc. are INCREDIBLY incredibly small.

Make sure all your policies are listed as underlying on the umbrella schedule though (including auto).

Watch out though there are a lot of legal 2 families BUT they have to be owner occupied and village is cracking down so if you try to rent all 2-3-4 and don't live there they will come after you potentially 

While it looks like you are already doing reasonably well in this area compared to most who live in the region, a move to a place that does not depend so heavily on auto transportation might be merited.

I was contributing more and I had an auto-increase set for every year that I get my cost of living raise, but I decided to drop to the match and put any extra savings into an index fund for rental property down payments.

Pick a number, could be $100 or $1000/month or anything else but create an auto payment on the same day you get paid from your job from your checking account to a specific savings account ( I use Ally bank for example and have 3 savings accounts for different goals). 

@Michael Hayworth That is a great percentage on auto-draft!!

(again I don't do many commercial loans, only have a few)They did not do full underwriting they're basically just extending the original loan.We feel forced into this due to the maturity of the loan (there was some mix up with a changed PO box and auto pay set up to pay off loan), but they haven't really disclosed much.  

I've also spoke to some people with aspirations of building tiny home villages...