Here's Jacksonville's measureables:- home prices 27% below the national median- gross rents .3% above the nation median- 19% more home price appreciation than the national average since 1991Look for a market with similar numbers if you want to maximize your 5 profit centers. 

You need consistent income from rents to help you stay in the game that long so you can maximize your 5 profit centers.  

What demographic areas are you comfortable with?

In addition to that, syndication allows you to create a well-diversified portfolio that maximizes your profits while minimizing your risks.

Maximizes cashflow and still in the 4-5% range here (again assuming good credit, DSCR 1.1+, and good location).

If you are comfortable with your new mortgage payment after you refi, I would totally do that. 

Your husband could then commute in relative comfort and use the commute time on the train for podcasts, reading, relaxing.

I’ve done quite a bit of research on BiggerPockets, youtube, podcasts, and still have a few remaining questions before I feel comfortable enough to take the plunge.1) Have you ever worked with a wholesaler directly?

If you invest in a privately-held and self-managed residential portfolio of C-class single-family and small multifamily, and you believe you're going to make your money off cash-flow, that is, relentlessly maximizing your take from your tenants, you're already losing sight of what's important in the game.

If a hybrid, most are looking to house hack a multi-family and live in the smallest unit to maximize cash flow.