FHA vs Conventional will largely come down to your credit score, downpayment, use, income/DTI, and future plans.

Document successes to build credibility with lenders for future scaling.

I think knowing more numbers, heloc limit, plans and objectives for future goals all should play into "what is best".

These homes may have tax liens or other issues that could lead to foreclosure in the near future.

This allows you to keep your Airbnb equity intact for future opportunities while managing your DTI limitations.If you need help navigating this further or finding the best financing options, feel free to reach out.

I’m 20 years old and currently working hard to create a strong foundation for my future.

Good quality of life, good potential for appreciation over time, and an area that is unlikely to lose its draw for young professionals and college students for future tenants.

It’s been enlightening and has pushed me to work toward becoming the person my future self can be proud of.

That helps reorient me - future deals will be written appropriately. :)

I also support the point of thinking at least 10 years ahead and only buy properties your future self will be happy.