I think the reason for that is a mix of region and styles of home back then. 

By personas I mean a certain campaign style that is unique enough not to identify with the other campaign also being run.

The most common portfolio style loan in Texas is a 20 year adjustable rate loan.

I own several boutique "row house" style commercial buildings in NW dc, rent it out, and can relate.

The Life Changer Loan is a much different style, as it's a line of credit that throws all your income towards your loan balance.

Purchase price: $1,350,000 Cash invested: $644,000 Asset is 5,380 SF with a mix of 3 retail + 2 Tudor style residential lofts, and 3 storage units • High foot traffic area down the block from the Upper Montclair Train Station with direct lines to New York City • Located less than a mile away from Montclair State University – 21,005 total enrolled students • First sale of the property in over 60 yearsHREA/Cohen Capital Business Plan: • Increase the in-place, below market rents to market once the leases expire • Lease the vacant store in the short term – HREA/Cohen Capital has agreed upon terms with a 90’s clothing brand to do a pop-up upon closing and negotiating with a tenant to take space once the pop-up’s lease ends What made you interested in investing in this type of deal?

Takes a second to get them to understand what you want, your style, your criteria, etc., but once you're there, it's amazing.

I guess what I am trying to determine are there others that invest that  aren't searching to always reinvest into more properties but rather use the rentals to help live debt free on the personal side while improving their live style?

This is a MASSIVE generalization because price will fluctuate based on needs of the home, style of the HVAC (split, package, wall package, mini-split), filtration in the home, etc.

Learning the more creative styles of buying houses will serve you well.