Interest on money?

What i would recommend is taking that 200,000 and using it as a 20% down payment on a 1,000,000 triple net commericial property. You will probably end up with 800$ per month in net cash flow to you, but you will also be paying off the 800,000 loan with all the rents you are getting + you are getting appreciation of your property, regular annual rent raises which increase your income and a tax deduction for all the interest you are paying on that 800,000 loan. At the end of 20 years you have a fully paid off property and the full income of the rents is yours. Then if you want, sell that million dollar property and use it as a 20% down payment on a 5 million dollar property and do it all over again. (actually that million dollar property would probably be worth 3 million or so in 20 years, so make that a 20% down on a 15 million dollar property.)