I am inquiring on their default amount with the bank, if the balance is alarming, my choice is to withdraw from the transaction.

I personally feel off market is not usually a good choice for a newbie. - avoiding lower class is important but even more so OOS.  

If you are looking out of state and can't find what you are needing in your first choice.

With 1,174 closed sales in July 2024—a slight 0.86% increase from last year—this market remains a solid choice for both families and investors.

@Tom Dieringer I would use two levers to make a decision for the choices you mentioned.

Consulting with an accountant who is focused on real estate can help you make the right choice here 

You have 4 choices:1.

Rochester is great for investment and the prices are decent to get a duplex (4 bed, 2 bath min total).One concern though, when people who are not contractors say they are good at home improvements, they aren't usually as good as they think and their value isn't higher, it's actually lower because of unpermitted renovations or personal cosmetic choices.

Buyers are more discerning as they have more choices now in Tampa than the past couple years. 

You really don't have a choice with the tax rate.