If you have excellent (760+) credit, can hit a 1.20+ ratio, loan amount is where it needs to be, it's a single family long term rental and you're okay with (and state/lender allows) a 5-year prepay, low 7s is possible.

Miguel, another excellent idea.

Ottawa Hills: This is one of the higher-end areas in Toledo with excellent schools and a more established market.

I would as always run the numbers on new purchases and make sure they will fit with your goals.I am not selling any STR properties because I bought good investments in great areas.

Excellent! 

Figure out where you can give and take and then invest in the market that fits those metrics the closest.

Consider options such as adding to down payments, reserves, or investing in other income-producing assets aligned with your financial goals.Next StepsTalk to Lenders: Discuss your financing options with lenders, including the possibility of a cash-out refinance or HELOC on your CT property, and explore the 10% down payment product for your next purchase.Real Estate Market Research: Identify potential markets or properties that fit your investment criteria, whether for house hacking in Las Vegas or remote ownership.Consult Professionals: Engage with a real estate agent, tax advisor, and possibly a financial planner to ensure your investment strategy aligns with your long-term goals and financial health.By leveraging your existing equity, navigating financing options, and resolving tax matters, you can position yourself and your girlfriend to successfully expand your real estate portfolio this year. 

While I don't have Bay Area capital to purchase my properties, the idea of MTR Arbitrage seems fitting. 

Very much appreciate you for sharing what you know, you make excellent points. 

And since you would own the one property outright, you wouldn't incur debt and would have all the equity there for whenever you see fit.