One thing I'd comment on about the DOGE cuts, there's a big difference in making cuts to the "management" of the program versus the actual subsidies received by the tenants.

Building a compset and diving into the details about the competition, cleaning fees, length of stay, and really, seeing who is out ther doing STR versus MTR etc. 

Definitely some work to do because if I can get 2% out of those points, like you say, it makes those purchase points worth 4% versus the 2.5% cost.

Versus Passive gambling.

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

Versus asking for $1.2mm up front.  

There are some out there that invite speakers versus take checks from speakers.

@Daniel CruzOne thing I have learned from investing in section 506 house flip investments with regard to states is to be aware of states that are judicial foreclosure states versus non-judicial foreclosure states.  

There are many angles to make far more money thru your housing, versus investing somewhere else.

How much are really the savings on the mortgage versus the cash flow you are getting?