You have an exciting opportunity at your fingertips, some cash purchases could make sense in higher appreciation markets if you were looking for other options or to diversify.

Managing tenants is no easy task, it takes such a wide skill set. 

I also saw your post on one of the local Buffalo facebook forums, and will caution you that you are going to get a WIDE variety of feedback from a WIDE variety of investors -- especially on that group! 

I have purchased one duplex using my own money and am looking to scale but wanting to leverage OPM or low or zero downpayment funding options. 

I would recommend working with a TK provider that has options for you to diversify in multiple geographical locations. 

If you haven't already, let me know if you want to look at any cash-out refi options for your short-term rental.

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

However, SEP IRA contributions require earned income from active participation in a business or trade.Our goal with posts like these are to increase awareness of all the options that may be available to them, like this one.

Also would like to know of any local credit unions with portfolio lending options.

If you have the ability to pay cash for the flooring it would be the cheapest option.