Look at what high interest credit cards you can get rid of, pay down, or move to zero interest promotion cards for say 15 months etc.

@Melanie AlzugrayInvesting in a resort you and your family enjoy is a fantastic approach.

I guarantee virtually no one is meeting that rule in SD because they're all on here looking to buy in Cleveland or Detroit because in that market price to rent ratios are so askew that buying at a 50% discount probably doesn't get you the 1% rule. 

@Rey Magana look at the Mesa Del Sol area.

You probably won’t be able to sell with 9 years without taking a loss.

I’m reminded of a buddy of mine who moved from Brooklyn to Scottsdale.. he initially thought the desert was just cacti and scorching heat, but soon realized there’s a thriving market here with pockets of real oportuntiy.Working with an investor who’s ready to spec build is a fantastic way to dive in.

Quote from @Patrick Albright: You could look at doing a 1031 Exchange to avoid any tax hits this year. there is no tax. 

The short sale approval process can take a few months from the day you go under contract.

I wouldn't touch Franklinton with a 10' pole on the existing inventory side. gravity 2 is being auctioned and sold by the developer the area didn't support office developer lost millions:https://www.bizjournals.com/columbus/news/2024/12/19/gravity...linden I agree on if you can get a good deal. super fast appreciation. small homes, close to downtown, you can look at year over year and it's going up fast but also fast to change. any urban adjacent neighborhood is going to be good. 

Welcome, take a look around, and don't be shy -- we try not to bite TOO hard!