However, by placing money in a property that I would like to have in order to increase my quality of life, that can also produce some cash flow instead of being a liability that requires money every month, I can increase my quality of life without increasing my monthly liabilities.  

We might consider a slight increase in 2026.

Seems like “Vegas” attracts the less than honest hustlers   I see it in the PML HML space you see brokers with NV address's but no NV mortgage lender license those are basically fake lenders full stop .. since its illegal to be located in Vegas and lend money with no state license at least on 1 to 4 units. could be they use NV LLC for the perceived privacy that state offers kind of like WY ?

After closing, work on increasing your income, reducing debt, and preparing for a second mortgage.

The biggest thing to me is buying in quality areas that will increase in value over time.

How will the partnership cash flow cover the HELOC payments if interest rates increase?

It's kind of disconcerting when I can only raise rents by 5% but insurance is increasing by 10% to 15% per year. 

I think real estate due to the amount of money you can make and how quickly you can make it attracts people who may not understand the idea of sustainability and being consistent in what you do. 

Start by leveraging what you already have—consider tapping into equity through a HELOC, house hacking again with an FHA loan, or increasing cash flow by converting a unit to a short-term rental.

When I had my B&Bs we also included local restaurants and attractions in the packet of information which you might want for a STR.