In doing this you achieve your above-stated goal of lower down payment.

It's great that you have a plan in place and are taking steps to achieve your goals.

I think the first 2 key steps that I skipped, and most folks do, is to decide what goals are and what strategy you want to deploy to achieve them.

@Cesar Gomez Hey could we talk more, I am not sure your future plans but me and my partner have been reading your post and think all of us could come together and achieve a lot !

I'm in the same boat: tired of the typical 9-5, seeking financial freedom for a more relaxed and enjoyable life (in addition to building long-term wealth).Your post caught my attention as I've also read RDPD which made me realize anyone can achieve financial independence when done right.

To be safe, I would plan on a refi appraisals of 10% below what you would achieve if you had a transaction at 10% higher. 

Originally posted by @Darius Ogloza:I understand but I think it depends how many units you own, what are your goals, how fast you want to achieve them, and how much risk you are able to bear.

I’m in the industry and feel that cost is aggressive but achievable with heavy involvement on my end.

Ideally, I'd like to address personal, spiritual, business (I'm a real estate agent) goals and then break them down into achievable smaller goals.

It is heavily a matter of having a vision and believing on the end results you want to achieve.