But it will be more difficult to cash flow since you'll be looking at a higher monthly payment.You're young and you have a long investment time horizon so I'd go with the 30 year mortgage.

But if 2020 taught us anything, having money set aside for the unpredictable is critical.With graduation on the horizon, 1 in 4 Gen Zers are saving for college — the top savings goal for that generation.

The line would likely be interest-only for the first 5-10 years, which covers your time horizon, and would very likely come in quite a bit lower than a HML.  4% for primary homes is not uncommon; sometimes it’s even less.  

Projected project IRR is 24% with a 4 year investment horizon.

There is no guarantee that even further anti-STR regulations are not on the horizon. 

I am looking to invest 100k in real estate with good after-tax IRR with a 3-5 year investment horizon. 

@Levi Brackman Market cycles generally dictate investment models with time horizons.

100% the recipe is there and it's a cooking away but, I fear we are tapping close to a glass ceiling and when you get inflationary action like that and limited financial capacity of the populous that all spells Stagflation, and that's the looming fear I see on the horizon. 

Which investment to select depends on number of different factors such as your investment experience, risk tolerance, time horizon, etc.

So you've got some pretty exciting items on the horizon here as far as your 1 year timeline goes it seems and I'll try to help answer this for you if I can!