When you need them to get a contract or disclosure signed, a showing or an inspection scheduled, a walk-through done or a contractor arranged, they're busy at their other job and are unreachable.The only thing lower on the totem pole is Zillow, and that's really saying something.The fact that you're still living with parents and can tolerate the startup (no income) phase is solid gold.  

@Isaiah CuellarYour financial objectives, risk tolerance, and the details of your mortgage will all play a role in the decision of whether to put the extra money in a higher-yielding product like a Certificate of Deposit (CD) or to make additional monthly mortgage payments.

Hi Josh,It depends on whether you will be needing the 20k saving, your income and risk tolerance.

Stay out of Coffeyville Kansas unless you can tolerate riff raff, refinery trash, drugs, thieving prostitutes, meth head squatters, petty criminals, breaking and entering, overdoses and dead bodies in your properties, tenants having adultery with other tenants spouses, walking in on intruders in your STR, 5 homicides in a year in a town of 9500, and other miscellaneous nuisances. 

Rate of expansion has a lot to do with personal risk tolerance.

This all depends on your income and risk tolerance.

It all depends on your risk tolerances.

Every investor has a different risk tolerance, comes from a different financial situation, and has different financial goals.

Mesa is good as well, very spread out, but what you can tolerate determines your destiny.

I think everybody's debt tolerance will vary so we can't answer this question for you, but if you're questioning it I feel like you already know the answer.