Just to hear some different professional opinions here, what would be your next step if you want to grow but also reduce debt?

For several years, I have self-managed my growing portfolio.  

and to understand how they fit together in your toolbox, as none will give you everything (e.g, insurance is required and it will cover you for many situations, but not always; asset protection (LLC) is litigation insurance and complements regular insurance, by minimizing the target and making it unappealing).If you are a new investor, probably you will not have a lot of assets and/or equity to worry about (but even that is relative and subjective to each person tolerance to risk) so I would not worry about that till you pass that risk threshold (in my opinion 100K+ in equity, maybe 50K if you are really risk adverse) and you should be primarily concerned with finding good deals and growing your business first.

Nice people by that age, too, and very reliable. 

But maybe holding us back a little bit from really growing with now 1 duplex and 9 SFH’s.

I'm always looking for new partners in various metropolitan areas to grow our portfolio together.Happy house hunting!

I do my online investigative work to find out about the sellers, taxes, portfolio, age, social media, courts, etc.

Higher leverage adds risk but allows you to grow faster. 

I wonder if there is a service one could subscribe to or access which shows:- Total value of residential mortgage debt in the US- How that debt is grouped by fixed vs ARM rates- How thar debt cuts in terms of prime vs subprime- How are the monthly payments doing (on time vs late)- Proportion of foreclosures (growing or declining) - How much of the debt is primary residence vs investment - Average loan to value estimate My point is simple.

Today I run a $55M portfolio.Case & Point It can be done at that age.