Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

If you're seeking a reliable income stream, Cleveland will be a better fit.

With multiple properties you limit the loss of rental income from a single tenant.

I know this is a RE forum but I'm putting my money in more liquid forms of investment and high yield savings account.

If you were to put aside the money that would go to extra payments, what interest rates would you get on that (ie would it make more money sitting in a high yield savings account instead of paying down a low interest rate mortgage)? 

I've noticed in some markets, there's an additional tax you have to pay on gross monthly income.

Account Closed a lot to unpack here. 

Last 2 years I gave away over half my income and I expect to do so again in 2024.  

Make sure to account for it while running your numbers.Keep the strategy long term in expensive market.

Jeff personally has joined strategic calls with my accounting team as we were planning both for implementing tax strategies and for strategizing for future growth, which was about 3 months ago, bringing us to the stage we're at today as we prepare to take on this new project.