Leave the 6-plex out of the equation (with the bank, anyway).  

What that equates to is me paying additional payments directly to principle in addition to the regular monthly payment as shown below.Geeking out on the numbers a little, here are the calculations for the amortization I ran based on the various scenarios.With the 15 I can pay extra $250 in principal and with the 30 I can pay an extra $450 and still be making roughly the same payment I am making today.  

I wouldn't in any equate your ability to get a loan mod with getting an investor loan.  

I feel like the real math in my equation is not the price tag i paid but that and all the interest i paid in 12ys so im not sold to just sell the property… hold and get another loan for higher balance and rent out current condo or sell current condo so my loan principal will be lower?

Where does the wholesaler come into that equation? 

For hosts who are struggling, my advice is to dive into the airdna metrics - all the answers to the equation are there.

It's scary to  have to replace a roof when the cost of that equates to 20% or more of the market value of the house itself, i.e 10k roof on a 40k-50k house, now imagine 80 doors.5x the number of doors in existence...that's pretty funny.

So many people get that equation backward.  

(Happy about that)Typically my losses were "about" equating to my income, minus 2 months where I paid fees for major repairs that I needed to do, and physically cut checks to contractors for more than my income those months.

Seems like you're a sharp guy and it's awesome to see you're already devouring some books.If you haven't already, check out this great list of The 21 Best Real Estate Investing Books EverThe cool thing about building your real estate portfolio is, you typically won't have enemy civilizations trying to take you out of the equation!