If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

In this case, you can use Rental Income from the units that you will not be living in and that income can count to help you qualify.FHA rates are going to be lower than conventional for you almost always, but FHA does have a 1.75% funding fee. 

It’s growing fast, has good schools, and offers affordable homes compared to Houston.

That is something that could make sense in the short term while rates are still high.

In the end, it cancels out any benefit.Loss of Key Homeowner BenefitsIf you sell your home to an LLC or S-Corp, you’ll lose:$250k/$500k capital gains exclusion on selling a primary residence.Homestead exemption on property taxes.Owner-occupied insurance rates, which are cheaper than rental insurance.Substance Over FormIn tax law, the IRS looks at the substance of a transaction, not just the form.

IF $100 a mo breaks your budget, then I'd say you need to raise your rates......Just my $0.02....

I would find a loan officer that does both conventional and FHA renovation loans to compare which has better rates and terms for your situation.

Guests love them, and listings with hot tubs often command higher nightly rates and occupancy.

Many claim they do not charge a markup, but then aren't transparent with invoices, etc. 1) If a PMC charges $x hourly, their markup is built into that hourly rate as they are NOT paying their workers that hourly rate.2) Many PMC's send you ONLY their invoice, or from their wholly owned maintenance company, not the underlying invoices from Home Depot and contractors.

The price points do make it hard to cash flow even with the lower interest rate subject tos.