I can imagine this is a challenging decision to make.My thoughts:When hope is a key component of the plan of action, it is time to cut losses.

My plan is to live in one of the units while renting out the others.

A hybrid approach could also work—perhaps using a HELOC for reserves while saving the stock portfolio and 401k loan as backup options for future opportunities.

Lastly - No matter how much money you can save, don't hire unlicensed contractors who will fail to provide you a paper trail and will want to be paid in cash.

Neither of those pencil out.I think you'd be wise to save the money and find your own leads.

Quote from @Fulati Paerhati: I am selling one property and planning to do a 1031 exchange.

Hello @Yooni Choi,While managing an out-of-state rental property yourself might seem like a money-saving strategy, the reality is much more complex.

Starting in your 30's is in some cases better in that you are more mature and disciplined about saving and settled. 

I plan on starting out next year with a small plug and play solution to have minimum risk.

Planning for property management, scaling strategically in one market, and being conservative with financing can also help avoid costly mistakes.If you're considering out-of-state investing and need insights on markets, property management, or financing, DM me and I’ll point you in the right direction!