When underwriting a property, assumptions related to its debt can have a significant impact on returns and valuations.

Obviously at 67 your goal should be to limit debt/risk but you still own quite a but free and clear so it'll be OK.

You'll still have the same debt.

Everyone knows the BRRRR method - Buy, Rehab, Rent, Refinance, Repeat.It’s built on the idea that leverage lets you grow faster.That worked great when money was cheap and banks were eager.But in today’s market, the same leverage that once fueled growth can quietly eat away at returns.Here’s an alternative I’ve been studying - something I call the Reverse BRRRR.It keeps the real estate, the cash flow, and the repeatability… but removes the debt treadmill.Here’s the basic structure:Buy homes in livable condition at a discount.

What's your other debt looking like?

my point was, that won't work as you won't generate enough cash flow to buy without debt for decades. 

@Isaiah PrinceAttacking debt: Is your debt keeping you from qualifying for a mortgage?

The “FHA 4-unit → cash homes → debt-free” route hits a nice balance between growth and risk reduction.A few things to watch out for though:FHA Rules: You’ll need to live in one of the units for at least 12 months to satisfy the owner-occupancy requirement.

Have successfully removed/eliminated all rats via bait stations then removed all cabinetry, baseboards, and drywall to 40 inches to expose studs and baseplates for spraying, and remove corpses (30+).  

Dave Ramsey preaches to the masses to pay down debt.