Notice how they presume they are going to buy the asset at a substantial discount from the lender.  

I look forward to hearing from you via email  or if possible, I'd really prefer a phone call. 

You are still personally guaranteeing the loan.And you did the right thing by putting the assets into an entity, especially if there is equity.

That's why I prefer absolute dollar appreciation rather than percent.   

We have a 650 minimum , but prefer 700 

.• Use some equity from the sale to make this transition smoother.I’m torn between maintaining our current home as an asset and buying  a new smaller house to use as a rental after we move back in versus simplifying and focusing on a single upgraded property Considering factors like market trends, potential equity growth, and quality of life, which path do you think would be most beneficial?

If you are going to have this asset for a long time it'll be worth the peace of mind knowing its updated. 

With Appfolio you could select your preferred vendors. 

But this way you have appreciating assets paying off your appreciating asset.

If you are asking why real estate, it's not for you because you are asking people to convince you about an asset class you somehow have determined to be not good for you.