If you elect to use a VA loan, that typically means you don't plan to put any money down.

& how you become financially free is by letting whoever your renting to (I'm guessing that was a step also?)

My mortgage rate is 2.875% so I don’t plan on refi to get equity out. 

Now, my accounts are managed by Inspira Financial Trust. 

We have some of those calculators we plan to to add in 2025 for those who want it all-in-one.

In two years I plan to pull equity from my home, rent it out, and purchase another to live in for two years..

@Pixel Rogue everyone has different future plans - many though haven't thought that far ahead!

Plan on staying married no matter how rocky it gets, work through it, it's worth it. 

@Jacob HavlovickBigger Pockets is a great place to find a real estate tax accountant.A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Quote from @Josh Lansberry: You will hear a lot of people bad-mouth him, but Dave Ramsey can teach you how to get financially savvy real quick.