I am thinking about that in another way, related to my HSA. 

I think a community bank would be much more apt to put a deal together for you than a big national or regional bank like Huntington.

I think in any market the best way to buy right is to find an area you like and canvas that area with letters, calls and door knocks, getting out and talking to people.

The picture makes me think of a "mini" hotel or some type of destination/STR property. 

@Jason Weidmann what do you think of every agent responding telling you to go, go, go!

They are going for bigger fish than you (I think) but this would be an instance of something that opens the door for that for you.  

What do people think about hot tubs in your STR ?

I think it's worth trying.

I'm just south of the twin cities, but I'd think Fairbault or Owatanna might be a good place to meet since there centally located between Rochester, Mankato and Albert Lea.

I am perfectly fine holding X amount in real estate.If I do see an opportunity another option is to lock it up and sell one of my existing if I think this property will perform or appreciate significantly more.