Instead, consider a HELOC on this property to tap into its equity without affecting the low rate.

While the nearby multi-family duplexes could affect prices, it doesn’t mean you’ll struggle to sell.

I am looking for a repeatable way to do this. 

If you build your funnel and systems right, wholesaling can be a scalable, repeatable process.

From there every 20 point increment affect pricing differently.

The stays at your property are mid-term, but for repeat business, you want to cultivate long-term relationships.It sounds like you are well on your way to doing that.

We have been buying all our rentals the "slow" way by saving up 20%, buying a house, renting it out... repeat.

My plan is to buy an undervalued MUP with an FHA loan, fix it up, rent out the other units while I live in one, then refinance it and use the year I’m required to live in the property to build up my down payment on the next MUP, then repeat until I have at least a $1M portfolio.

I take direct booking for our high season Jan -April, one year in advance and usually to repeat guests.

It takes awhile to get reviews, gain traction, get repeat guests, word of mouth from satisfied guests, etc.