Duplexes and multifamily are an option as well, although the dynamics are a little different.If I was still living in BR, I'd househack somewhere in Mid City - capital heights, hundred oaks, poets corner, overpass, etc.

Those extra interest payments "chip away" at your savings (over $38,000 in interest only payments) and ALSO should be counted as "extra payment towards principal" in the counter/control example.You are in actuality transferring debt from the fixed, low interest mortgage, into a higher interest HELOC.  

Just start chipping away.  

I'm realtor for Magnolia Realty (we're owned by Chip and Joanna Gaines) and I work with quite a bit of investors on helping them buy and sell properties! 

My passion for real estate has been a lifelong journey, and I’m thrilled to channel that enthusiasm into helping others find their perfect home.When I’m not busy with real estate, you can find me skydive diving, hitting the gym, capturing moments through photography, or enjoying long walks and runs with my dog, Chip.

Then comes Chip and Joanna Gaines and their hit show "Fixer Upper".

Like CAL Pines out of Alturas  that one was being pitched by one of the Chips actors on infomercials and they bought all their inventory at the yearly tax sale.

Looking into MTR in Thousand Oaks at the moment.

With significant growth (20,000 per year) across the valley, growth in wages and $15B in investments from the CHIPS act at Micron I am bullish long term. 

Emailed Morris Invest with my concerns regarding lack of exterior renovation progress (broken basement windows, warped siding, lots of soffit/fascia repair needed, and chipping paint).January 17 - Received email response back stating I should be receiving progress pictures by January 20th as bad weather has caused delays.January 25 - Emailed Morris Invest for an update status as progress photos were not received by January 20th.January 26 - Received a phone call from the Acquisitions Manager, who I personally worked with when targeting and putting this property under contract.