Should you add a playground or dog park, or would your money be better spent on putting in gated access?

This allows you to access funds while keeping your existing mortgages intact.Second Mortgage: Explore lenders who offer second-position loans on investment properties, though rates will be higher.Cash-Out HELOC : While traditional banks often restrict HELOCs on non-owner-occupied properties, some portfolio or private lenders may offer HELOCs for investors.With $15-20K in liquid funds, look for deals where you can negotiate terms:Seller Financing: Negotiate lower down payments or interest-only periods.Subject-To Financing: Assume the seller’s existing mortgage while covering the down payment.Lease-to-Own: Lock in the purchase price while using rental income to build equity.

But if you have the capital or access to an investor, this sounds like it could be a good deal, but at $900/month, I'd estimate your ARV will max out around $85k.

If you have access to outside capital/equity, you already have an advantage over most.

Look for a place where you can secure items that you do not want tenants to have access to. 

Talk to an attorney to access your risk. 

During 2022 I had multiple meetings with one of their CPA advisors and gave them access to QuickBooks and Payroll platforms.

It's set up to be accessible and appealing to your audience.

I'm also happy to share access to a spreadsheet where I track Single Family, Multifamily & Rental Inventory for the Pensacola Market(Escambia & Santa Rosa Counties) each week. 

I believe interest is tax-deductible if used for property improvements or purchases, and it gives you quick access to funds while keeping your stock portfolio intact.Private Money Loan: If you have a trusted partner and terms that work well for both parties, this could be an efficient solution without tapping into your other assets.