Quote from @Chris Seveney: @Alicia ZhaoI agree with jayIinterest income = ordinary incomehttps://www.fidelity.com/tax-information/tax-topics/interest-income#:~:text=Most%20interest%20income%20is%20taxable,it%20or%20can%20withdraw%20it.There is a lot of different terminology used in the tax world.Interest income, for the average taxpayer, will be considered 'portfolio income'.

Economists note that job growth in typically underreported industries fell by 42,000 compared to the 6-month average, suggesting August’s numbers may understate actual gains.Key Employment GainsConstruction: +34,000 jobs, driven by heavy civil engineering and nonresidential trade contractors.Healthcare: +31,000 jobs, though slower than the past year's monthly average of 60,000.Social Assistance: +13,000 jobs, with more modest growth compared to previous months.Other growing sectors include financial activities, wholesale trade, and government (+24,000 jobs).Job Losses and Sector StrugglesManufacturing: -24,000 jobs.Retail: -11,100 jobs.Temporary help employment continues to shrink, reflecting business uncertainty.Wage and Fed Policy ImplicationsWages rose by 0.4% in August, up 3.8% year-over-year, supporting a cautious approach by the Federal Reserve on deeper rate cuts.

Rates, on average, are currently in the 6’s, so refinancing your DSCR loan might be a great option for securing a lower rate.

My initial infant level of knowledge would tell me it's a combination of being poorly managed (I calculated they're spending nearly 65% on expenses to only have $305K NOI on 95% occupancy at $875/m, if that's even the average rent/unit currently occupied). 

Overall appreciation has averaged 4+%.  

I was thinking about an strategy of doing Cash Out Refinicing putting that money in the stock market (distributed in ETF and some "safer" stocks) to get around a 6% anual return (estimating that low because is the "standard" average, however my current stock portafolio has a cummulative return of 66% in the last 4 years).

The key factor is ensuring the property qualifies for favorable tax treatment by adhering to IRS rules regarding short-term rentals and material participation.For the 7-day rule, the IRS requires that:The average guest stay must be seven days or less for the property to qualify as a short-term rental.If the average stay is 30 days or less, you must provide substantial services similar to what hotels offer, such as daily cleaning or concierge services.Regarding material participation, to further classify the income as non-passive, you must meet one of the following criteria:You spend more than 500 hours actively managing the rental in a year.You manage the business yourself and spend at least 100 hours, with your involvement exceeding that of any other person involved in the rental.Please note there are actually 7 ways to qualify, the above two are the most common.

Columbus OH for example is a popular choice, with the city experiencing impressive property appreciation surpassing the national average.

I have only 1 in 8 days views since units in the area have average 50 views in 30 days listed.

As an MTR I can get $2,200 but I need to pay an average of $200 for utilities and an extra $100 for vacancy reserves (I self manage so no increase there).