It seems housing has a component of "leverage" that has many folks bypassing my savings rate while spending more.GoalsMy goals are 15-20 years from now (mid-50s) to be able to retire early, have fun, while maintaining a lifestyle and income. 

@Cody SmithI’d always pay off the highest interest rate debt off first, if the other loans have low interest rates then leverage what you have to invest and pay those off over time.

In situations like this- where you are hoping to increase cash flow by $160 a month, but do so through a relatively expensive method, I like to ask myself; "How can I leverage what I have and create that same cashflow elsewhere." 

The SFR won't cash flow as you're very highly leveraged and not accounting for Vacancy, repairs, CapEx, Management. 

However, you are already leveraged at 75% LTV.

It would allow us to go through the construction process a little more carefully (as we're using new technology) and would hopefully establish a marketing presence for us.

Attaching the mortgage section here and I think I do have the right language in there to use financial contingency as leverage.. 

You're not hitting the 1% rule and you're highly leveraged.

It would be great to get a conventional loan with low interest rate and high leverage if possible, as I've done with other places I've bought, but my lender says jumbo loans cap out at around $700k or something. 

As far as buying 30-80k houses cash, I would recommend leveraging your money to buy cash flowing B class properties in the area that have a good chance at appreciation.