I'm aware of all the surface-level risks (post-COVID income decreases, market saturation, amenity requirements, etc.), but it's still a unique market vs. others that are accessible from where I live, in Charlotte, that make it an attractive one to consider.

What you need to remember is that when you pay down your principal, the interest is going to decrease.

My capital, although decreased, I still have enough to do it again & do it as RIGHT as I possibly know how to do with these expensive lessons I've learned.

Doing a portfolio loan will help decrease the cost (relative to the loan size) however you will run into issues if you decide to sell these properties individually in the future.

That's a difference of $32k more in PV/equity...and that number will exponentially increase in future years because of the higher base.Now before you mention the decrease in cash flow, let's say your CF was cut down to 1/3 of the $11k/year. 

Here in our local residential market in Northern Nevada there was a notable uptick in homes contracted and a corresponding decrease in days to contract in October I think largely in response to downward pressure on rates.

Days On Market have been increasing for several months:(As a result, rents are also flatlining or decreasing. 

We have decreased rents substantially and shifted focus to retention. 

If you look at the 10- and 5- year treasuries (that most lenders tie themselves to) it has just been a slow and steady decrease of the last year that I think we can continue to keep an eye on.However, there are so many factors that pay a role in that and a continual drop is not guaranteed.

Politicians continue to make policies that inflate your dollar and decrease your effort, but they make moneyThe best way to break free of the cycle is to remove your kids from the government sanctioned brainwash known as public schools.