The exterior got a fresh coat of paint, and I added modern fixtures inside to attract buyers.

MTR attracts a lot of traveling medical professionals and WFH individuals who need a quiet space during the day, which may not be compatible with families living in the attached LTR.

Your primary home doesn't produce cash flow and is a pure expense.

When you go to sell the property, if you produce a certificate of inspection for the wrong number of units, buyer unless you are giving them a great deal and they will throw caution into the wind, would insist on the correct designations.

And for most of my clients, they are generally attracted to a city or market for personal reasons and THEN then find a property that works for them rather than looking at general market numbers...meaning, my clients can make money in ANY market, even ones where the population isn't growing, the rental demand is softening, and the rent-to-price ratios are less than attractive.So to you, does PA mean Pittsburgh, Philly, or central PA?

Additionally, these properties generally attract long-term tenants with longer leases, offering more consistent cash flow

Once that extra rental started generating income, he realized the higher interest rate was just a temporary hiccup on the way to bigger returns.In your case, maybe look at a structure that keeps your best cash-flow property on a lighter refi (say 50% or 60% LTV) while you go a bit heavier on the one that’s not producing as much right now.

I would just be cautious, as there are some rough neighborhoods in both Akron and Cleveland that seem attractive due to the cash flow but will be money pits after the vandalism and vacancy. 

A longer timeline will make paying the extra 2% now more attractive.

The ROI is attractive at 16%, but ensure ARV aligns with recent comps given market trends.