It’s up to individuals though, to get serious and learn things properly.

Definitely prefer tankless for us

My preference is certainly to stay in my own back yard and to find a SFH, long-term to start. 

I understand certain neighborhoods in America will be heavy to section 8 and its preferred as the market tenants tend to not pay .

If you prefer passive style, house hack or out of state rental makes sense. 

Already a co-owner of  single family home with shared common space and bedrooms rented to individuals.  

For me, I prefer investing this way.

I’m also at a life stage, where I’d prefer to just live with my partner and not rent out individual rooms in my unit.When I move out, the rental income would sometimes just barely cover the mortgage and taxes (usually not even insurance).

As a result, I wouldn’t need to show material participation for each property individually, and I could potentially use the losses from these deals to offset other income.Even though I qualify as a real estate professional, it’s important to remember that active participation is still required to use those losses against W-2 income.

5yr ust is 380bps the spread seems more than fair I like the 5yr lock but just personal preference