The Pocono region is a fantastic choice for an STR due to its appeal to tourists throughout the year. 

As the impacts of climate change become increasingly evident, more individuals are likely to incorporate considerations of air quality and other disaster risks into their choices when selecting a place to live. 

Then that is her choice.

One piece of advice I would recommend if you want to go FHA is getting to understand the self sufficiency test for 3 and 4 unit buildings. https://www.newcastle.loans/mortgage-guide/fha-self-sufficie... 

Here are a few options you might consider:Home Equity Loan or HELOC: If you own another property with sufficient equity, you might be able to take out a home equity loan or a home equity line of credit (HELOC) to cover the $140K.

Thank youColumbus is a standout choice in Ohio.

Noone has shown me anything that proves the "equity harvesting" theory would work in this rate environment so I'm sort of back to 3 choices.  1.

I give you one example, sometimes I have a though choice when I tried to flip hose, the seller doesn't allow inspection and the house is priced 1 mil (comp is 1.5 mil).

Its appeal as a desirable coastal city helps maintain rental demand.Fort Walton Beach: Located in the Panhandle, Fort Walton Beach and its surrounding areas offer a mix of steady rental demand and affordability, providing good cash flow opportunities, especially for single-family rentals.Pensacola: This city offers relatively high rental yields due to its affordable property prices and stable rental demand, making it a solid choice for cash flow-focused investments.These areas balance stable cash flow with potential for modest appreciation.

So, obtain sufficient insurance if you don't have an LLC.