As long as you have your lifestyle inflation/creep under control, I'd say you have good options and can leverage both or 1. 

My goal is 10 SFH, as I'm just looking to supplement a $3,000 a month pension (inflation will slowly drain its buying power, so turning to real estate to combat that effect) that I'll start drawing from in 2023 at the age of 53. 

I think MGM's Bridgeport rumors and the general good economy has prices on the rise. 

Prices are high (over inflated) for certain strategies.  

Modeled for 720 months (60 years)24.71% effective income tax rate (based on a $70,000 per year household income)Saving 30% of your income3% inflation rate3.25% yearly safe withdrawal rate (SWR)$4,083.33 target monthly income in retirement (in today's dollars)Summary of assumptions for the account in this scenario.

It seems like prices are inflated so much more than what you can get for rent, just want to know what you guys think.

look  imma be a lil harsh here.. you shouldve accounted for inflation or increased premiums when you made your initial purchase.. its called proper underwriting. with that being said. some lenders allow for up to 5% ded and you should review your policy to make sure there are no junk coverage. also look at your market if we are at the top perhaps you should consider selling and 1031 your funds into an apartment deal as a passive investor

The actual return in 10 years basically kept me above inflation.

Boulder home prices were rising rapidly, so we wanted some rentals.

Perhaps some ethical concerns, but I don't think they rise that high in this situation.