And I feel the ideal portfolio can benefit from the diversification of both.1) Holdfolio isn't a match for me, personally (due to not enough experience, skin in the game, etc).

The fact that you evaluated whether to sell or do a cash-out refi shows you’re playing a long game and keeping your options open.

As we progress thru the real estate game, the most valuable asset we have is time.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

Love your mindset—real estate is a long game, and you're starting with the right attitude!

Would love an opportunity to pick the brain of someone who is seasoned in the game.

Thanks I hadn’t done a short term flip in a couple years and getting back into the game here in riverside county. 

Like Eric said, investing is the long game.

Just remember you are spending time and money to improve a space that isn't yours and you're not able to take the improvements when you leave, ownership should have some skin in the game especially in a new build.   

This exemption can be a game-changer when it comes to reducing your property tax liability.