You are reading too many books, using too many calculators, and drinking some REI "guru" juice that isn't going to help you.

Maslow's Hierarchy....Food, water, shelter are the basic building blocks of humanity and order, without them things like love, enlightenment, self-realization(the higher levels of the hierarchy) are much less likely to be achieved.Not only are we involved in providing one of those basic building blocks, it does not take a genius or a ruthlessly competitive person to eventually earn a high social status(wealth) from the fruits of our labor and sacrifices.

The post asks what are you doing to change things, yet you rant on about graduation rates and parental households without causation .. just bad fruit on the vine.

The low hanging fruits have been plucked already!

Cleveland seems to be the only Ohio city with the juice to compete with Detroit.

Stories like yours keep my motivational juices flowing.

Selling isn't a bad option either as other posters have mentioned. 1 thing I'll say is that you could lean into Mid Term / Short Term rentals as well to juice up the revenue you get so you have higher cash flow.

It took a long time before I ever saw the fruits of my labor take form and I can tell you humbly that most of that time working was spending learning how to get out of my own way.

If you are looking at value-add assets, quickly look for market rents in the submarket and current rents, if current rents are within $100 of market rents, there is not enough juice in the deal to make it worth while3.

A refi only juices my returns in that scenario if I refin in less than the 5 year projection.