I have a baby coming up in January and I am getting pure anxiety from owning this thing since I think I may have made a mistake, knowing this was a lot riskier, but calculated risk.

I believe the 15% discount is essentially wiped off the books by the long-term capital gains taxes, so these funds are made up of the original investment and the stock gains, which has been substantial.

You could do 10% down on another 2-4 unit property but then it would likely wipe out most or all of your reserves even under $200k, which wouldn't get you much.

Start by accumulating a $1000 "baby emergency fund" that's to be used only for a true emergency.  

What happens if all the older baby boomers that have been so aggressively buying real estate investment trusts decide to buy real estate instead?

If his wife went into labor and it took six hours to deliver, again, using this logic, his baby would have cost him almost $6.5 million.  

We had a plugged septic drain in a brand new duplex (less than a year old), the plug ended up being a bunch of, what appears to be white shop towels, rags or baby wipes?  

@Jonathan Farber shrub up baby!

I was a Ramsey disciple a while back, and quite frankly, I owe it to his baby steps that put me in the position I am today.

I think the easiest thing for someone off shore to protect a income producing property investment in the US.. is to buy quality to begin with.those that buy low end properties routinely get wiped out... this last month I went through a set of closings were I funded a local wholesaler who bought 20 some properties from AU investors for about 30 cents on the dollar of what they paid for them as TK properties.