I am pushing myself physically and mentally and 54 years old and feel fantastic!

It seems like being prepared, educated, and surrounded by great partners would be enough to do larger deals initially if it's possible to mentally jump that hurdle.

@Helen Chau  congrats on mentally making the jump and deciding to do multifamily. 1.

Currently, one of my long-term employees is on the brink of financial bankruptcy due to the significant health care costs associated with her teenage daughter’s severe mental health illness.

Reading stories like this gives the mental glucose I need .

But this "evict them all mentality" is not my cup of tea.

That's precisely the mentality that will get you into trouble, not bail you out of trouble.

Selling the car, taking the loss mentally, and then still not qualifying, would not be fun.Also, another option iIf your DTI is close w/o the 17% credit card: you might be able to just refinance the car with a partial paydown (say you pay $5k out of pocket and refi the rest?)

I loved it, but it also takes a lot of physical and mental energy to live there, and you have to actively seek out nature and green spaces.

If the idea of having outstanding debt is mentally draining it's great that you could easily pay it off and just give yourself that peace of mind.