#1 mtg installment — Hurts credit score … I need a contingency reserve for a few months. I also need the longest maturity to keep monthly commitment low, then pay down aggressively.

#2 pTax — there are penalties for late payment. I need a reserve for a few months. I will also dispute the tax assessment

#3 utilities

Given these cash flow burdens, I don’t plan to take on multiple mortgages as Youwei suggested.