(Current plan $2K to savings and 500 to E*TRADE, until I get enough for a down payment.)Note: I am already maxing out tax advantaged accounts. (401K and HSA; ~$2200K/mo)Option 2:Us the $65K to buy an investment property and continue to pay on the debt.

And this path is exponential...leading to choices such as multifamily trades later, or stop and smell the roses.

I am an electrician, but handy in most trades.

Can be taken on Sch E but if he is treating rental as not trade or business and such then ask him to pay yourself a management via sch C and take home office deduction against that income. 

If I sprinted to 20% down on my home, I'd bury somewhere around 25k in available cash.For $40 savings a month, that is a bad trade-off for me, and it may be for you too.

I wish I could just magically make more money but I’m really maxed out in my current trade.

We are carpenters by trade and self manage.

Because I had quit my day job a couple years back, I’m working full time as a realtor to “learn the trade,” make some money of course, and experience all the various other “things” that happen in real estate transactions through my clients.For example.

Any trades or other organizations that provide affordable health insurance?

I am a journeyman electrician with 6 years in the trade and 15 years experience in residential remodeling.