Being debt free with outstanding loans takes a huge weight off your shoulders. 

Sometimes the hoa moves faster on foreclosing than a bank holding 1st position.

To me, time is everything and the faster I can get to my goal the faster I can enjoy my life even more. 

If all you are after is passive income, why not just invest in a REIT, bond fund, or a mutual fund heavily weighted in real estate?  

If you are in a rising market, then it will likely be really hard to save faster than the pace of appreciation.  

It sounds like you need the $$ faster than that which means I think you’ll have to go with a hard money lender.

The faster you learn, the faster you'll grow.Also, Drive through Baltimore and get to know the streets as it certainly is "block by block"Let me know how I can helpNathanael

Home prices are climbing at a faster rate than local income levels; thus requiring locals to rent.Here is my delima:We want to eventually keep our current home as a rental, and buy another house for our family elsewhere.

I think they're throwing their weight around to see what they can get out of you.

Generally, most of the weight is placed on the income and sales comps approaches to determine the value.