The "high appreciation rates" you mention should be verified with recent data and be specific to the neighborhoods you're targeting.

The remaining principle balance is just short of your final payment.Are there any questions?

Which leads me to my final point, but not numbered.If I was you, I'd sell this property and 1031 into a non-HOA property that is attractive to own and fits #3 profile-- 1.25 DSCR + healthy reserves.

We finally closed our physical office in 2024.

If you want to understand 5-year outlook, I'd look for multifamily construction data in your area to understand what level of new units is and will be coming online in the near future. 

I have some data that I would like to share with you.

It can be a daunting task when you are trying to run a business and I finally honored that I am spent!  

All of these are things that will give you an advantage when you finally are ready to invest.

Finally, as an aspiring/budding lender, I don't have as much access to mentors, but then again it's easier than rehabbing/flipping and probably easier than buying and holding and managing multifamily. 

And as far as legal—an attorney becomes essential once you're ready to finalize terms with either an HML or private lender to make sure everything’s secure.Hope this helps!