Quote from @Mark F.: I usually roll my eyes at preachy posts but this is pretty good.

@Becca F., I wonder if you got that DM because for a period of time, there was a woman on here touting how she made a 60% return in one year buying a 12plex in the second highest crime area of Chicago.  

Another vote for a personal loan for repairs like Lightstream, Marcus, or So-fi.

Quote from @Becca F.: I would have chosen Option 2.

Goal is FI by around age 50. 2 boys (5yo and 7yo). 

I considered taking the negative one one and allowing another existing property profit “balance out” the cash flow, but that feels like a bad move and would be better to sell  My ultimate goal is to build cash flow for FI, which I need more to do. 

Here's the rub: the property does not have power in all areas, and some spots are out of Wi-Fi range.

Are they Wi-Fi?

Min buy in is 50k, pays quarterly distribution. timeline 5-7 yrs, getting very good loan from insurance co source at 6.75% or so with interest only on yrs 1-3 then no defeasance penalties thereafter if they re-fi or sell.

I lived in Saint Louis for most of my 20s (and grew up in the general area), but even after being gone for over 10 years, I wouldn't trust my ability to pick locations outside of the no brainer A-B areas.I hit my FI number and have left my "golden cuffs"; I don't know your situation, but I what I can probably promise you is that it is going to take longer and be more difficult than you expect.