Obviously tough to give advice based on minimal info and no info on your personal situation.

Stock picking is gambling pure and simple. 

Based on your first fix/flip, it sounds as if you don't have any issues doing moderate rehab.

If the answer to the last question is yes, I think it'll be a hard choice.I see a reasonable appreciation rate for underwriting at about 6% based on neighborhood scout, so nominally I think you'll make 10-11% if you had paid cash which means I think you'll do quite well holding on (20% returns or so). 

We have made money buying properety based on cash flow (lower priced) rented out for a period, then selling to an owner occupant. 

Or a seller finance calculator showing the monthly payment based on negotiated price, interest rate, down payment, etc.

If you choose to play with fire, that is your perogative.For your reference, here is a good primer.Here is the key paragraph:Rental discrimination is when a landlord or property manager treats an applicant differently based on the applicant’s inclusion in a protected class.

This gives you flexibility and a clearer understanding of how you’ll proceed based on market changes.

I am based out of the Santa Rosa Century 21 Office but I cover all of Sonoma County and beyond.My very first purchase was a Duplex where I lived in one unit and rented out the other for rental income.

Most hard money lenders base their terms on the deal’s equity and your experience, so with a solid flip track record like yours, you should be able to find better leverage — especially if the deal has a strong ARV.What's the ARV on the property?