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.

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

, but we figured that the sentiment wasn't going to change in the near future.

This is what the OP said:We're changing our plan for the property in 2024 and plan to rent it out for two of the summer months on a <7 day basis, but then also use it for a month ourselves.

They've gone as far as writing algorithms that pull data points like crime rates, age, median income, number of coffee shops and hundreds of others to create heat maps of where to buy.  

Rent, Expenses, NOI, Cash Flow, COCR, Cap Rate, Market cap rate. 

Consider a quarterly bonus based on occupancy rates, maintenance cost savings, and overall revenue growth.

It's free to sign up for an account and the savings account has a very competitive interest rate.

(Anything that isn’t your primwry first is only tax free on a pro-rated basis.)I don’t know how you could swing it but…If they gifted you the kand they would avoid their capital gains tax.

I thought you guys were calling it climate change now?