Really interested in investing in this market and would accept a relatively low return (or even a break even scenario because i believe in continued appreciation potential here). 

Mortgage rates and PMLs are 8-12% plus points right now so the deal has to be a low enough entry. 

Install low profile LED lights or wall sconces.If this is an investment property you need to be thinking about returns.

That's a very low amount given it's a commercial property.

So making it my primary is a low bar.   

If you decide to exit real estate entirely, just make sure whatever investment path you choose aligns with your goals and risk tolerance.

And maybe diversify a little, invest half in a low cost S&P500 fund like VOO and the split the rest across 2 or 3 syndications.

The lender can call the DOS if they find out & choose to. 

@Stephen FlemingFrom my experience working with over 400 investors, your strategy of leveraging a low mortgage rate, tapping into home equity, and diversifying with a short-term rental (STR) in Northern Michigan is well thought out.

Each option has different implications, so choose based on your financial goals.