Here’s some context: Property 1: >$100k in EquityValue: $325kDebt: $220k @ 2.88% (30-year fixed)Property 2: >$70k in EquityValue: $325kDebt: $252k @ 3.38% (30-year fixed)Extra considerations: - I have $15-20k liquid to use for any of these deals- My current job is relatively stable, but not high-payin- Current properties in TX, living in NY, looking to invest in Mid-West (crazy, I know)- No other debt obligations besides the two mortgagesUltimate goal/timeline: Though a bit ambitious, I’d love to build up the portfolio to 10-20 units in the next two yearsI understand that any/all replies aren't financial advice; all ideas welcome for information purposes. 

You've done a terrific job of detailing the components of each program.

I make about 70k a year from my salaried job and my friend makes double that.

Has the tenant been looking for a new job?  

He had a tech job and we talked the business and he was legit and when meeting the family, they were very respectful. 

Reason: I signed a new job offer at a nonprofit yesterday and having extensive knowledge of the real-estate market in Philly would be very helpful.

Anything past that might feel weird.Good job going to your first one, that is a great step that too many people miss out on.

My main goal is it be able to retire at age 40 from my main job and work entirely on my real estate portfolio.

One marks up larger jobs, but won't say how much.

You’ve taken the first deep dive into investing—great job!