Many likely have coverage for their mortgage balance or from many years ago.

It's a balance.

This journey that we're all on can be lonely, especially when it comes to balancing W2 jobs, kiddos and real estate investing. 

Best neighborhood and best assets are subjective and largely based on the individuals capabilities (balance sheet, skill set, time etc.)

Affordable housing is about the housing itself and the economic environment it is created in.

Our only debts are a 2.875% mortgage with a balance of $124k only paying $897/month on an appraised value of $325k, daily driver car of $370/month, and use a credit card for monthly expenses, but pay the balance off with every pay check.

Our economic system has inflation, which favors the banks, baked into the system.

These modifications are carefully crafted to incorporate ADUs seamlessly, aiming for a delicate balance between increased urban density and sustained neighborhood character.

Many property managers tend to focus on physical occupancy rates, but what truly matters is the economic occupancy rates—the actual rent collected.

If that was the case here, the current balance could be quite a bit higher than the initial balance.