Thats exactly what i thought, you can't really find a median income with a job so heavily based on that one persons abilities and hard work.

Our choices seem to be:1) Refinance to a 30 year mortgage at a higher interest rate (which might not be so bad since we have been paying down the mortgage heavily).2) Purchase a duplex (townhouse) and house hack, allowing us to boost our savings by drastically cutting monthly expenses, then selling our current house.3) Do nothing with our current house/mortgage and use the cash we have saved to buy an inexpensive multi-family (will still need financing).

As you can easily imagine these factors weigh heavily on the real estate market in Clayton County.  

My advice here is to do your due diligence heavily.

As you can easily imagine these factors weigh heavily on the real estate market in Clayton County.

But, in Maryland, if you were to get caught, the unlicensed guys who were doing the work with/for you could get heavily fined.

I never ever think of self-insuring as I am heavily leveraged. 

McDonald's is heavily reliant on systems and processes, and even so, your experience (and Yelp reviews) of each one can be vastly different because it matters who the person is you're interacting with in front of you.

I am just heavily confused as to how you find a property that will give you enough equity to make it worth it, only lenders I can find will online finance 80% of the value.

I’m 28yo and new to property investing, granted I have heavily read/followed the ideology and strategies for the last three/five years so I figure now is a good time to jump both feet first and get wet.