4% to the financial freedom! How old are you now? It is so amazing! Put do you afraid that some additional charge or not people rent your house someday? For me, I think that it is a very risky investment. Financial leverage is a useful concept. But I am afraid that only 130 USD per month cannot cover some accident cost for the japanese housing...
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I am in my early 30s :) It always about understand how much you have and how much you are able to lose. For example, if you have 100, would you mind to risk 1 dollar on investment. Maybe yes, Maybe No. I will discuss more on this aspect shortly :)