This means that you will be able to maintain your current standard of living indefinitely.Prices will rise fast enough that you will be able to acquire additional properties using the accumulated equity through cash-out refinancing, thus requiring limited additional capital to achieve financial independence.In summary, if your goal is liquidity, then stocks are your better option.

A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default.

That's it in a nut-shell, you give it a goal to achieve and it just does everything else itself.

Absolute auctions are common in situations such as:Estate liquidationsBusiness closuresForeclosures or court-ordered salesSellers seeking a fast and definite saleFinal ThoughtsAn absolute auction benefits both sellers and buyers sellers achieve a guaranteed sale, while buyers can compete openly, knowing the property will go to the highest bidder.

But here's what I discovered: PMI removal might be the better play.The Math That Made Me ActMy numbers:- Original loan: $468,000 (90% LTV)- Current value: ~$530,000 (conservative estimate based on recent comps)- Current balance: $451,000 (after 2.5 years of payments)- Current LTV: 85.1%To get to 80% LTV, I needed my balance at $424,000.

@Chris Berezansky you'll be hard pressed to find a lender/bank/credit union willing to HELOC lend more than 65% of the total loan amount on a rental.If value = $375k x 65% = $243,750 MAX TOTAL LOANS.You state you have $160k equity, so if we base that off the $375k estimated value => $215k current loan balance.$243,750 - $215k => $28,750 MAX HELOC amountA total refinance would typically allow you to access 70-75% of the property value.

Cushion:Duplex only = safer, steady tax deductions.ADU = more upside, more tax shields, but riskier with liquidity and refinance uncertainty.Airbnb = less leverage, faster after-tax cash flow, but depends on STR regulations and management.If cash is tight, the home Airbnb conversion may actually give you the best balance of tax benefits and financial safety.

You can achieve the same results with your personal name.

While it may feel out of reach, owning multiple properties is achievable by using strategic planning and specific investment methods.

I’m looking at some smaller multifamily in that market (3–10 units, some converted SFH setups that are common in the area) and curious how others are approaching:Financing — are you seeing DSCR loans, local banks, or small-balance commercial work best right now?