And Bigger Pockets just found its way onto the front screen of my iPhone and I thought it might be the number one opportunity to learn as much as I can by reading opinions and asking questions..I've got millions of questions.

For example, with stocks, a high net worth individual (a celebrity) can tweet, ''I hate apple products" and you could see their stocks decline in value.

lolif your comparing it to buying apple back in 19???

However, those 5 things you listed are apples and oranges to IBanking, especially #5. 

So far, I only have one non-payer, which is actually not even a Covid issue, just a bad apple.

Rental money vs. mutual fund returns is not an apple-to-apple comparison.

As people have mentioned, need to keep it apples to apples. 

I think the only way to compare those scenarios apple-to-apples would be Option A and Option 2B, as it's taking into account the same amount of cash being invested, and one can look at the opportunity cost of one vs the other.

But also a lot of people, meaning the dollars per person are quite low, and there are few to no major employers in the area (I believe apple has a data center...

If you're trying to utilize the extra equity, I'd recommend shopping some more to see what other brokers/lenders can offer you; both at 70% LTV (to compare apples to apples) and 75% LTV.