The only real reason to go with the 3.875% is if you can only get 10% down or you expect to need the cash in the immediate future.Good luck to you in whichever direction you go!

I'd say knowing that you don't need cash flow to invest in more properties, and you're patient, work on whichever model makes you the happiest.

Currently however, with the Cares Act, there are some additional options here.The changes in brief for the 401k:* Loans - now up to $100,000 or 100% of your balance, whichever is less and you don't have to make a payment until 2021 then 5 years to repay from then. * Disbursement - you can take up to $100,000 of your account out without the 10% penalty if under age 59 ½ - You can then pay the tax due over 3 years, splitting the 100k disbursement equally over 3 years, OR pay it back over 3 years and no tax or penalty.The Roth IRA, is great.

Your LTV for a purchase will be based on appraised value, or purchase price, whichever is less.However, if your numbers (which seem odd) actually hold up, you could buy it at 75% LTV on the $60k purchase price, and then possibly do a cash-out refi at 75% LTV (based on appraised value) after six months or so (most lenders want at least 6 months of seasoning before they'll consider a refi.I say possibly for a number of reasons: Lenders are really tightening their belts right now, and the pandemic is obviously shaking up the economy and the housing market.

I have taken the initiative to get rid of unnecessary monthly payments such as cell phone plans, car payments, etc. 

Unfortunately during my due diligence phase, I learned the maximum square footage allowed on this lot is 2400 sqft (including the garage). 7900 square foot lot, 30% max or 2400 sqft, whichever is greater.

Work on building your team in whichever area you choose.

They have to connect to an internet connection but you can easily solve that by setting up Wi-Fi in the house or using a cell phone hotspot.

The risk is if your cesspool fails or the year 2050 arrives, whichever happens sooner.

I would go with which ever option allows you to legally and safely sleep the most people.I would put 2 Queens in the Master before 1 King.