Todays interest rate environment it is not a bad idea because it will be challenging to get returns that meet your interest rate you are payingIf your loan is 2-3% I would out the money in an account earning 4-5% compared to paying down a 3% mortgage - but I also get the stress relief of having a low mortgage and lots of equity

For my wife it’s the opposite.But you make a good point that real estate is not for everyone and there are other ways to make money.

Seller has no money to pay utilities or buy groceries.

And that’s what ppl think they can find if they listen to real estate podcasts that set improper expectations (and really just want them to spend money on their products/deals)That being said year 1/2 can be rough with unexpected (should have expected) repairs from the prior owner.

If you are going to say your loan down part of your return for your net worth -- it should also be discounted, considering it is money leaving your pocket.

If I rent it, it won't cash flow more than 2%, which is sort of ok as my goals is creating a portfolio of additional income for retirement (12 years from now)  If I sell it I will likley lose a little money ($5-$10k) I Used a VA loan to purchase zero down and will be living in it for 24 months while I do the rehab.purchase price $330K, rehab $15k, Estimated ARV is $370k.  

I'm also looking at my Equity loan, saving money, selling the property if it is worth it, I had thought about a refinance.

If you take that into consideration, you are losing money on the property. 

No one cares about your money more than you. 

Sounds like the place is going to be a money pit any whey