On the other hand, if you sell the Stockton home now, you’ll be mortgage-free sooner on the Sacramento property and can start saving or reinvesting more aggressively.If I were in your shoes (and as someone who’s seen the ups and downs of California real estate for over two decades), I’d lean towards keeping the Stockton property.

My wife and I do both have term life insurance that we plan to stop at some point when we are comfortable.

It might feel out of your comfort zone, but the potential rewards can be worth it if you're willing to do the work.

I was comfortable and content living the life I had created.

Planning for these expenses will give you a clearer sense of how many properties you can comfortably afford and what reserves you'll need to maintain in order to qualify to afford the property. 

Don't fret, here's lots of potential in that townhouse as long as you can comfortably hold on to it.

Then once I felt more comfortable, renting out 2.

The village also had a lot of restrictions that made me not comfortable proceeding as a first time STR investor. 

You’re offering people a place to live that’s both budget-friendly and comfortable, which translates to lower vacancy rates.Another key advantage is lower overhead.

Up to you if you're comfortable with it.Deadlines are there for a reason.