It does seem to me like the OP’s portfolio could use some cash flow rentals, especially with the idea of being semi-retired. I’d go to Temecula and buy 3 houses let the little rental business be part-time employment and keep working as you figure out where to go from there. Or use some of the SAHD or SAHM time to take care of the rentals. Either way someone or both or you have to keep working.