However, the second you have at least 2 individuals who will be on the plan, you can get great options through industry groups.

With the average dock cost running $80,000 - $100,000 these days, it would be great pick up a dock below or within a 2 minute walk from your back door but anything longer than that may not appeal to renters that often. 

You might average 5% with a duplex in the short term, and as long as the economy stays strong.

After the crash they let the prime money pump it, when that runs out they let the average money pump it, when that runs out they let the subprime money pump it..If you are a prime borrower, great, you get to buy the dip right away..

. :-)OPTION 1Current home value - 425000Extra payments - 4000Total interest spend over the loan - 85000Resulting equity - 340000 (425000-85000)Time to pay off the remaining loan in months by paying 4k extra per month - 28 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 8000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 60000Resulting equity - 565000 (625000-60000)Time to pay off the remaining loan in months by paying 8k extra per month - 56 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 10000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 50000Resulting equity - 575000 (625000-50000)Time to pay off the remaining loan in months by paying 10k extra per month - 47 monthsOver 10ish year I will have a total equity of 1.48M which is an average monthly increase in personal net worth of about 12,000 over this timelineOPTION 2Current home value - 425000Extra payments - 1000 (it would drop from 4k because 2k would go to the other loans principle and I would lose 1k as an expense for the extra loan)Total interest spend over the loan - 95000Resulting equity - 330000 (425000-95000)Time to pay off the remaining loan in months by paying 1k extra per month - 64 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 2000Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 100000Resulting equity - 400000 (500000-100000)Time to pay off the remaining loan in months by paying 2k extra per month - 131 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 0 (money is being used for other loans)Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 330000Resulting equity - 170000 (500000-330000)Time to pay off the remaining loan in months  - 360 monthsOver 10ish year I will have a total equity of 1.29M which is an average monthly increase in personal net worth of about 9,800 over this timelineI know this is very detailed and you would probably have to spend a few hours figuring this out, but If you could help me by providing some benifits to option 2 that would be helpful.Thank you

Do a STR in a small town with a big industry. 

I haven't done this, but I work in the construction industry and I think it would be very easy to build a foundation to a height, just below the frame, and then jack the home down to transfer the load to the new foundation. 

It averages around $7500 in fees per property, per year.

Now if you have a dollar cost averaging style, flipping/ turn around model, trend following, momentum, or any of a countless number of other philosophies you may not have the same feelings about cash and that's fine. 

Apply it to REI exactly how you would any other industry sector.