Plan would be to sell. 1.

Of course "hoping" rates will come down is not a sound strategy so finding a way to assume a loan that already took advantage of low rates is a great option.If you were starting over and targeted a large SFH, would you try to maintain the property in a way that would still attract regular homebuyers (not investors) if you needed to sell?

That's going out and getting a brand new car with the expectation that you could sell a depreciating asset for more than what you paid for it.

What you need to learn in your 20s is how professional business works, how to manage people and projects, how to run an organization and how to sell ideas and concepts.

We lived in the property for 2 years and rented for 2 years to tenants, so by selling now, we ensured that we could avoid capital gains taxes.

My grandmother wants to sell her home but live there rent free for the rest of her life.

After two years, they can sell the property to you as your first solo investment.

We've got tons of Churches in the ghetto where the pastor calls me trying to sell the building to me for 20x what it's worth. 

As for wholesaling, there is no license required bcoz your not Selling or acting as agent in a fiduciary role to anyone but yourself.

That protects you from having to sell to  low.