they are more expensive than stick built take years to get approved through the building  departments in many jurisdictions and the folks that buy them are eclectic to a certain degree.. they work well in Rural settings where you can really lock them tight and leave and not worry about thieves.  

We looked at their property and it seems like a good deal - $332k for a 2BR penthouse with private pool and ability to lock off, free shuttle to ziggy’s with free beach access too. 

I'm not really locked into a market yet.

I think the answer is no, that you would have to take it in 2023, which would lock your losses in as "passive" and carried forward into 2024.

Nope says the driver with a lock and chain in is hand.

On the other hand, I am locked in at a 3% interest rate on a home that will likely continue to appreciate well.

C) Or, do you just keep the door, still keep it as one unit, but basically separate your renters' and your space with a lock?

Sometimes listing agents will be opposed to taking an offer with a VA loan because they can have a more strict appraisal but it's still very achievable to lock something up with one. 

If I knew then what I am learning now, I might be in a whole different situation at this point in my life.What books or tools have been successful to get the 'penny to drop' for your teenagers and which ones fell on deaf ears?

As you get contracts locked up, feel free to reach out as I can help you with funds for EMD or Double Closing, if necessary.