Sam,Thats some good news send me an email or reach out let's connect and Network. 

So, even as the Fed lowers the Federal Funds rate, and as we see the spread between the 10-year treasury yield and the 30 year mortgage rate shrink, upward pressure on the 10-year from longer-term foundational pressures will see mortgage rates tick up or or at least hold steady.While this is neutral/slightly negative news for home buyers, it is very bad news indeed for our friends in the commercial real estate world, who are really seeing the best case scenario for the 10-year right now.

They will give you the run around for days, and tell you everything is okay only to give you the bad news 30 days in.., Honesty is the most important aspect in mortgage lending. 

Great if you want to add rentals or non owner occupied properties to your portfolio but not so great if you wanted that winter log home in big bear CA or Mammoth lakes, CA.The good news is you're from TN so you have no earned income tax from the state on wages only interest and dividends in certain cases so thats a pro right?

@Joe R.Good intel and good news on pricing for pools and trusses, thanks Joe.

The good news is you will be able to get debt on properties easier than someone who is making $50k per year assuming you don't have a bunch of bad debt.

I know that's not the news you want to hear but perhaps hearing your story will lead to other helpful advice from forum participants.  

Here are some articles to review in the meantime:1. https://www.padsplit.com/host-resources/news/how-affordable-...2. https://www.padsplit.com/host-resources/news/why-padsplit-is...

The good news?

SPECIAL RULES FOR SECTION 1031 LIKE-KIND EXCHANGE TRANSACTIONS, page 135 states:". 01 Taxpayers are provided the relief described in this section if an IRS News Release or other guidance provides relief for acts listed in this revenue procedure (unless the news release or other guidance specifies otherwise)..02(1) The last day of a 45-day identification period set forth in § 1.1031(k)-1(b)(2)(i) of the Income Tax Regulations, the last day of a 180-day exchange period set forth in § 1.1031(k)-1(b)(2)(ii), and the last day of a period set forth in section 4.02(3) through (6) of Rev.