I am looking at an apartment building opportunity off Hamilton in downtown Allentown.

I suggest read and watch as many podcasts as you can until you feel like they're being redundant and then seek out opportunities to invest.

Do you have the means/knowledge/opportunity to put it to work at a much better ROI than the 30 year loan rate of interest, plus tax and inflation?

If you are already looking into a serious down sizing this would provide a serious opportunity to house hack.

At some point we're going to get the answer to your question I suppose, because the so-called "sharing" economy is probably not going away, nor is the individual hustle; technology has made super-sized employers less powerful and more people than probably ever before have the opportunity to survive on side hustles and non-traditional work. 

The property is right off the Waterson to the North and after visiting the property a few times and driving the neighborhood it looks like a good opportunity.

You may find a lot of people you know are ready to jump at the opportunity to make above-average rates of return.Refinancing- It has been a few years since I did a lot of SF mortgages so some of the times / %s may have changed.  

I would  say since they have reached out, it's a great opportunity to find what those buyers are looking for so you can find the right deals 

But if you had success on the last deal you purchased from him, perhaps he manages all his units similarly and there will be equal opportunity to add value.Is you plan to blanket this property on the next one?

This community is such a supportive resource, and the opportunities for education are rich.