You basically have "Growing but no cash flow" or "Stagnant growth but good cash flow". 

Quote from @Timothy Villa: Hey y’all just heard about this community and wanted to utilize it to grow more knowledge in how to have real estate help me with earning passive income.Welcome to BiggerPockets!

I know a little about the phoenix market and agree it is growing. 

Quote from @Paul Stewart: I've noticed a growing trend among new real estate investors in my area.

Looking forward to learning and sharing some insights with you as we grow together!

It’s one thing to learn, but turning knowledge into action—mistakes and all—is what separates those who dream from those who achieve.Let’s keep building and growing!

@Daniel Vo, sent you a message but I am proof that you can start in your late 30's and figure this all out while still serving and setting yourself up to grow even more when you retire from the military.

Atlanta is a strong multi-family market with a diverse economy, a growing population, and increasing demand for rental properties.

With careful planning and market analysis, Dallas can be an excellent place to grow your portfolio.Good luck!

You also will need to have multiple lender relationships as you grow.