As a realtor in the Boston area for the last ten years, and successful AirBnB owner up in NH, I’m ready to shift my focus to building a strong cash flowing portfolio.  

So, I reached out to a local brokerage, and they referred me to an agent with significant experience.This man has built a $30 million portfolio himself, and in just a couple of meetings, he completely shifted my perspective.

I’m wondering if the influx of newer apartment complexes near campus has shifted the supply and demand balance.

I don't Atlanta is too landlord friendly and the demographics shift it harder to do business everyday.  

Additionally, while rates aren't historically bad right now, they are higher than 4-5 years ago, and they will be even higher for you as an investor than they were as an owner occupant, which is what you were when you bought originally.I get that you are anxious to add to your portfolio, but that could be achieved without touching your first golden goose.Sometimes on BP, the push is to leverage every last spare penny, but that can be a risky game as the markets shift. 

Now, I'm shifting my focus to multi-family properties, particularly in landlord-friendly states.

It feels like the focus has shifted from creating value to chasing quick payouts, with little regard for the end buyer.

So if your interest payment is $1000 then the servicer automatically ACH debits your account that plus the servicing fee (assuming you set up automatic payments as @Christian Ehlers suggests).

IRS criteria shift and move.  

I have shifted gears on my plan- I purchased a LTR (A Triplex) in Rochester, NY.