Buying a home is the best Investment you can ever do, owning your own home, having the equity and most times its cheaper than rent.How do I overcome the rate, by paying the principal down!

Alltec is cheaper options out there, works fine with basic functions but certainly has limitation compared to other fancier ones.

65% of your success is the list, not the letter.I totally disagree with Jonathan about saying you will not lowball.You will, and then you look stupid.Unless you are a realtor and can offer listing solutions, I would say you will NOT pay full retail so you don't get all the calls of worthless leads that want full retail.The only reason to do this is if you are a rookie and want practice talking to people.Easier and cheaper practice is to go to craigslist or facebook marketplace and call landlords that are renting and ask them to buy.Your letter is fine, if you find a motivated seller, they will call.

Insurance is WAY cheaper for a new build, as are utilities, because the newer homes are more energy efficient, and also have less need for immediate upgrades. 

This lowers my taxable income and my taxes on operating income.

A second, and less labor-intensive reason was that having ceilings that matched walls and trim make the space feel cheaper, and even though our rental isn't in an A neighborhood, we want to give our renters a feel that they're renting the nicest place in a neighborhood. 

More people probably looking in the cheaper/median priced areas as well with inflation kind of hitting peoples wallets more the last year or two.I think updating the units and being more aggressive on price is really all you can do since we obviously aren't in control of the economic factors.

If you miss that deadline (because of a failed sale or a tenant that won’t move out.) it’s all taxable, if you move back in to it as your primary it’s only a pro-rated tax free gain when you eventually sell.

Here are some options and considerations:Loan Against Equity/ETFs:Margin Loans:Description: Margin loans allow you to borrow money using your investments (such as stocks or ETFs) as collateral.Pros:You retain ownership of your investments.Generally quick access to funds.Interest rates can be relatively low compared to other types of loans.Cons:Your investments are used as collateral, so if their value declines significantly, you may face a margin call (requiring additional funds or securities).Interest rates can vary and may be higher than traditional loans depending on the lender and your creditworthiness.Securities-Based Line of Credit (SBLOC):Description: Similar to margin loans, SBLOCs use your securities (stocks, ETFs) as collateral, but they typically provide more flexibility and may not trigger margin calls as easily.Pros:Allows for ongoing access to funds as long as your collateral remains sufficient.Interest rates may be competitive.Cons:Similar risks of potential margin calls if the value of your securities drops significantly.Terms and interest rates can vary widely among lenders.Comparison with 401(k) Loans:401(k) Loans:Description: Borrowing from your 401(k) allows you to access funds without selling investments, using your retirement savings as collateral.Pros:Typically low interest rates.No credit check required.Interest paid on the loan goes back into your 401(k) account.Cons:Usually capped at a percentage of your vested balance (commonly up to 50% or $50,000).If you leave your job, the loan may need to be repaid immediately or could be considered a taxable distribution.Potential opportunity cost of missing out on market gains if funds are withdrawn from investments.Other Alternatives:Home Equity Line of Credit (HELOC):Description: If you own a home with equity, a HELOC allows you to borrow against that equity at typically lower interest rates than unsecured loans.Pros:Lower interest rates compared to other types of loans.Interest may be tax-deductible if used for home improvements (consult a tax advisor).Cons:Your home serves as collateral, so failure to repay could result in foreclosure.Personal Loans:Description: Unsecured personal loans can be used for various purposes, including investing, but typically have higher interest rates than loans secured by collateral.Pros:No collateral required.Funds can be used for any purpose.Cons:Higher interest rates and stricter eligibility criteria based on creditworthiness.I am a loan officer and we do some of the loans stated above.

Legally much easier to get away with and handling utilities is much cheaper, simply connect them with second floor.