@David Navidad I would see what you can do with the money you would get in either option and compare cash on cash returns.

I'm not looking for luxury and opulence (though of course, that would be nice), but 1) to be able to travel (better once we establish a new normal with covid), 2) quit my 9-5 job to be able to work on passion projects/non-profit work 3) feel comfortable having children in the future and not worrying about that financial burden and 4) establishing generational wealth.I live in Denver, which feels like a HCoL ara, especially compared to my hometown in Georgia.

@Zimean Vickers first observation is that your rents are very low compared to value.

Or assume they will get a job with comparable pay?

Each unit has one person living in it so the wear and tear is slower compared to more people living in a property.

The acquisition cost is fairly small, compared to the potential earnings.  

Yes, you can make these work, but compared to real strategies, they are all linear returns, slow, and are not examples of the best use of your cash. 

Compare the various softwares before making the jump.

Do a search of reviews or test each one out yourself to compare how they function.

So, I made ananalysis to compare building now or waiting 2 years.