Ultimately, the faster you get to market rents, the faster you increase the value of the building which you can then use to refinance and get your capital back.Your key concern is to minimize the loss of rent if one tenant leaves and you have to find a replacement.

But, I feel like if we can eliminate the CC debt we can save faster.

You'll end up averaging the numbers from all your sources and weighting higher or lower for your particular property condition, finishes, yard, neighborhood, etc.

I made a excel sheet to make running the numbers faster. 

Pull the money out of your house, it’s dead weight that you can use it to reinvest into more RE.

The more you get, the quicker they come, the faster the boost runs out.

My criteria was something that cash-flowed at least $150 net income after refinance, was not above my weight class (no commercial), and would give me an opportunity to learn things to apply to my next deal.2.

@Heavy Crowns Partnerships can often be a great way to get more done faster, however, I will echo the previous comments and say that you should have legal agreements in place to plan for the unexpected.

If you want to buy more than one rental, then you can scale faster w/ 30 year loans.In the world of real estate, cash flow and reserves are king. 

The closer you get to 20%, the faster you can lose your PMI, which can be a real pain.