Hey @Jonathan Baptiste, so we are a bit different than some.We have a large house that can sleep 12 comfortably and we provide a lot of stuff.

If you don't have a crazy house like a potato, a tremendous view or historical area, then choosing a pic is harder.I like the idea of the game room if that is your best feature.

Choosing a higher deductible MAY allow you to maximize cash flow, but as you know, every investor's situation is different. 

This is why many buyers choose to pay cash even if they don't have to as they want their cash to be invested indeed, especially given the current inflation.

I do think you need a separate entrance option or at least two entrances in a four-plex to make it easier on the LTR tenants, but if you are open about it form the start, everyone gets it and you choose the unit composition based on which ones will be STR or MTR.

I hadn’t thought about the risk of expanding my portfolio by having multiple properties over leveraged, although that seems to be a growth strategy that many use,  I’m not sure it’s one I’m comfortable with.  

I'm looking for advice on what I should choose. 

You can't decide which one to choose based on the minimal information you provided.

If you choose to go with a first time home buyer program, you would need to identify all the terms and advantage of that as MANY are available.

Where to start, choosing an agent, DSCRL alternatives or similar programs, etc.Thanks KamalDo you live in Puerto Rico?