Outside of purchasing a property which is not achievable for me at this time?

Why do you want to achieve FI.

This was achieved by converting a weird storage room into a "three seasons room", we added additional value by putting in a heat run, making it a 4 seasons room and adding that sqft to the house.

In doing this you achieve your above-stated goal of lower down payment.

It's great that you have a plan in place and are taking steps to achieve your goals.

I think the first 2 key steps that I skipped, and most folks do, is to decide what goals are and what strategy you want to deploy to achieve them.

@Cesar Gomez Hey could we talk more, I am not sure your future plans but me and my partner have been reading your post and think all of us could come together and achieve a lot !

I'm in the same boat: tired of the typical 9-5, seeking financial freedom for a more relaxed and enjoyable life (in addition to building long-term wealth).Your post caught my attention as I've also read RDPD which made me realize anyone can achieve financial independence when done right.

To be safe, I would plan on a refi appraisals of 10% below what you would achieve if you had a transaction at 10% higher. 

Originally posted by @Darius Ogloza:I understand but I think it depends how many units you own, what are your goals, how fast you want to achieve them, and how much risk you are able to bear.