Thank you for sharing, especially flu for your numbers.
I now know why I originally arguing for less debt why you argue for more debt even though we have the same view point. Your debt/asset at 21% is quite low. I do think you can safely increase your debt level.
My family expense is relatively rather significant to my paycheck now. So I have some mental push back when people are saying that more leverage is a good thing at 3.5%. Like you, I don’t want to end up with a debt/asset over 50%, considering the chance of $0 cash flow from rental property, which is so easy to happen as I have only one right now.
