You can have little rewards along the way, like an extra vacation or a nicer vacation, but I wouldn't start spending like a millionaire until you're a millionaire.

I wanted a larger down payment to be easier on me financially, but I would rather have that extra 11.5% sitting in a bank account and slowly drain it to cover the difference between my monthly expenses and rent.

The extra people would get discovered by city hall if a neighbor turns you in.Be a good neighbor.

A good rule of thumb is to compare the extra 5-10% down you are doing and the monthly payment with the higher interest rate.

So you may be looking at paying 10-20k to get 10-20K actually out so 30-70% on the money you pull out plus interest and payback on an extra 30K plus 80% ltv is often a higher interest rate at 75% you would not be able to pull any money out with a 20% increase.

I would consider your goals, why did you buy the house, do you have a plan for the extra funds, consider taxes or capital gains-1031 exchange- what are you doing with the house now? 

I am working on my due diligence and new an extra set of eyes.

Would love to have an extra pair of eyes look this over. 

The property has two doors, a 3/1 Single Family House, with a 2/1 Apartment that sits over a 2 car garage and extra storage unit.

The property has two doors, a 3/1 Single Family House, with a 2/1 Apartment that sits over a 2 car garage and extra storage unit.