I think I could have picked up an extra $1MM+ in RE in this last downturn if I would have boosted my knowledge and connections with BP earlier!

Morale/justice at the expense of your valuable time and mental peace of mind? 

My motto is always help where I can and be legal, moral, and ethical in all I do. 

Poughkeepsie doesn't have grounds for not acceptting fair or even slightly low offers; it's a tough town, though the quality of the housing stock is quite good, there's a lack of jobs, there's a lack of people, there's a lack of morale, there's a lack of money.

Being able to find a trustworthy partner in your area with some experience can be a major boost to your learning and net worth.

So boosted.

He's teaching people with limited moral character that it's ok not to pay your bills.

This is already too long, point is, some people have moral obligations in life, to see that the right thing is done.

Your chapters on pre-screening and qualifying tenants was very informative, while i have been helping landlords rent out their vacant apartments for the last two years now it was a major boost of confidence knowing that how i handled this process was right on track with effective Landlord management. 

Our choices seem to be:1) Refinance to a 30 year mortgage at a higher interest rate (which might not be so bad since we have been paying down the mortgage heavily).2) Purchase a duplex (townhouse) and house hack, allowing us to boost our savings by drastically cutting monthly expenses, then selling our current house.3) Do nothing with our current house/mortgage and use the cash we have saved to buy an inexpensive multi-family (will still need financing).