My agent is currently finding best rates with Travelers.   

I do need a property that is not very expensive, which is why I have been looking into Clevland due to their low selling prices and high appreciation rates.  

This will be costly in today's market and interest rates, but might be worth a shot if they can afford to stay.If they don't want to stay and you want the the townhome to rent to someone else and just want to assume the loan, well then she can call the lender and see if the loan is assumable. 

Nobody wants to be around people like this, so I’ve had to lower my rent drastically and have a high turnover rate here.

Rates are hovering in the mid 7s depending on your credit score.

If you're using financing, evaluate how a rate hike could affect your payments.

They are a new international lender in Costa Rica offering 30 year, fixed rate mortgage loans specifically for American investors.

Also, insurance companies rate homeowner's differently from landlord policies due to the fact that you live there. 

For rate scenarios lenders need to know much more info:1) SFH, Condo, or?

I have liquid assets and want to make smart, scalable investments that balance cash flow, appreciation, and low risk.GoalsGenerate consistent cash flow to diversify my income.Maximize appreciation potential for long-term wealth growth.Invest in areas with low crime rates to minimize risk.Reduce my tax burden for 2024 with real estate purchases.My Current ThoughtsI’m torn between two main strategies:Multifamily Properties:Looking at markets like Austin, Raleigh, and Tampa for 10-50 unit multifamily properties.Love the scalability and centralized management, but I'm concerned about high upfront costs and competition.Section 8 Housing:Considering affordable markets like Memphis, Cleveland, or Indianapolis to purchase 5-10 single-family homes.I like the government-backed rent stability, but managing multiple properties across different locations seems intensive.Key QuestionsWhich strategy would you recommend for my goals and liquidity?