As of 2023, if a single-family home was worth $150,000 in 2019, its appreciation rate could vary significantly from that of a multifamily property bought for a similar price.To break it down further, let's assume both property types appreciated over the years.

Also, we are considering returning to India in 3 years to be with our aging parents.

That said, it's nearly impossible to find a decent option under $300k in those locations.If you have an apetite for rolling the dice and saying "I'm so glad I bought this ten years ago!"

Quote from @Gregory Schwartz: A local agent recently got sued for calling an old client who was on the Do Not Call list.

They could self manage for several years, using the rental income, until the next phase of their retirement.If they have a decent amount of financial discipline, they may want to get a HELOC now before they build to get the most favorable rate.

Given my experience in the field (5 years) not much but still counts right?

We haven't lived in the townhouse in the last 2/5 years so we would get hit with full capital gains.

I don’t have any policies anymore that are less than $2400/year.

It's all been a whirlwind of learning and doing and I'm looking forward to starting my journey with the goal of financial freedom in the next 10-15 years. 

Buffalo is predicted to be #1 2025 Small City Housing Market of the year.