For RE insights gained, I say thank you.I think all will agree it's time to end this thread though -- I'm spending too much time here arguing my merits when I could be working and listening to podcasts, reading books and so forth.  

But I am looking to read more of his materials and get the book he has recommended by Ken McElroy "The ABc's of Real estate investing"  

I think the advice here is all great; I can't responsibly argue against paying down 6% debt.

You could argue that because inflation is greater than the return you get on a savings account, my 100,000 is worth less and less every year.So I don't need cash flow, and as things stand now with my TSP (Government equivalent of 401k) and annuity, I should have a cash flow when I retire that will be adequate.  

I would offer a few recommendations on some great multifamily / apartment investing books that I have read & will read:1) ABCs of Real Estate Investing by Ken McElroy2) Wheelbarrow Profits by Jake Stenziano & Gino Barbaro3) Multi-Family Millions by David Lindhal4) The Complete Guide to Buying and Selling Apartment Buildings by Steve Burgess5) It's A Whole New Business by Gene Trowbridge

The amount of paperwork that gets avoided with this system is monstrous, and I know for a fact that it has saved my bacon a number of times with challenging customers who later want to argue about what they did or didn't agree to.

I say that bc some may argue that 7 moths to return that little money is not a good ROI timewise, but for me it is a side hustle that I hope to become a fulltime hustle so it's not an issue.

(I did this deal analysis only after reading a couple of books and the ABCs of Real Estate Analysis but after reading The Book this was made clear.)House hacking is going to be the way for me to get rid of this rental expense but it is going to have to be in a deal where the numbers make sense.

They argued that the additional insured did, but the judge agreed in summary judgement with the insurer.

The people in Scranton are still arguing if the train is going to go there.