So, I guess I will hope social security pays something in 20 years and the stock market is still there when I grow old.BTW, I am an experienced investor, I know I can dump everything in the stock market but I am hesitant to do that.

The terms remain the same, we still pay the monthly mortgage payment.

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

To me, having one mortgage payment for 2 - 4 houses (basically) always seemed interesting and like something that would give me more bang for my buck. 

Even with trump's aggressive plans for mass deportation and border security, I also have to think long term about future presidents' agendas towards border control too, and anticipate potential presidents being more loose on border security.

Motivated sellers and distressed properties are more likely to surface.Creative Financing: Higher interest rates are opening doors to strategies like seller financing or subject-to deals, where you can secure more favorable terms directly from sellers.Shift in Buyer Preferences: With work-from-home trends still influencing housing demand, suburban and secondary markets are seeing strong growth.

They are short term loans, usually 6-12 months, high rate, interest only payments. 

Together with it, i have a mortgage free apartment that serves as financial security. 

Consider all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

I have enough saved for FHA loan down payment on a duplex up to 500k.