I'm a buy and hold investor... that's the only reason I have not flipped it. this is my 4th multi family and I have 5 of them now...so I'm just at the point I'm ready to tap equity to leverage to purchase more doors and not tap into my reserves to do it. 

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Now we are married and do a % income split based off how much money we make, with leftovers after expenses being reserved for future down payments on more property.

In my previous duplex, once my reserves would hit $5k I would then pay down the mtg.This is an a growing area outside of my local mid-south metro.  2 universities, military base, and new battery plant (being built) plus a local boom of transplants in the mid south.Asking price is $840k however it just came to market, so not sure how much negotiating room.Would love to hear thoughts and opinions.View report*This link comes directly from our calculators, based on information input by the member who posted.

The other part that many overlook is your lifestyle, what do you require to survive, vs thrive, many people cant deal with lean times well, or dont keep adequate reserves to weather a dry spell, I once went 13 months without a payday, you just have to prepare for those things while you are working. 

I have enough for the down payment, with plenty in reserves.

I would factor in the cash flow from your rentals which is gross rents less costs such as Mortgage, Repairs, Vacancy reserves, repair reserves, etc.

I could keep until 2023 without paying property gains tax but I'm thinking I can sell, redeploy that cash and make at least $1,850 monthly by improving 2 other properties I have with about $25,000 left for reserves.

I would be worried about that as it can deplete your reserves very quickly.

I have $XXXX available from (a HELOC, LOC, HML, personal reserves) that I can put into the deal.