That way if problems to arise, and you think it would be a good idea to shift your portfolio to a different company, it could be an easier transition.

I can relate to the smaller SFR and doubles but probably it is just a mindset shift to go for multifamily properties.

Confidence and motivation shift and you can shape your holdings over time as needed. 

I think you have maybe the right goals but just need to shift your mind set a little bit. 

Due to the cold temperatures and the furnaces being turned on, sudden shifts in temp/humidity/pipe leaks are happening all over the place.

At a point, most investors thinkin will shift towards payoff, and that's normal.

Like the others have said, pick up some overtime shifts, both of you.

Is the "value-add" component creating a more speculative component that could be riskier if the market shifts?

Day job with rotating shifts doesn't allow time to tend to the needs of tenants.

Don't waste your time with mailers - picking up an extra ER shift is way more lucrative than talking to people who aren't really interested in selling their property for a deal with mailers.