It's easy to obtain, costs very little, and doesn't require extra, on-going effort to maintain.

At 6% I’ve only saved $360k, but you would have saved $720k, an extra $72k/yr.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

I looked into the maintenance option years back to discover a trend of:  apx. 8% monthly fee which only included rent collection (everything else from maintenance to turnovers etc, extra, and poor reputation on repairs.)

They provide everything the larger platforms do—and honestly, they have some extra options that others lack.

They EASILY paid $30k extra to get seller financing with $150k down.

Who knows, when you get down here you may be happy you have some extra income coming in. 

The extra cost to do two separate loans will be worth it, especially if you do not want to be stuck with the loan for a long time. 

It would also have to be put up and taken down between each tenant and I don't know how responsive your PM will be to this extra work. 

McKinney is thriving, but so are other parts of North Texas, and a broader perspective could reveal other great opportunities.Here’s what I’ve observed managing a significant number of rentals in the area:Bedrooms and Layouts:3-bed, 2-bath homes consistently attract the largest pool of tenants and have the highest occupancy rates.4-bedroom homes have grown in demand, especially with the rise of remote work, as tenants look for extra space to use as a home office.Square footage is less critical than number of beds and baths.Supply and Demand:McKinney’s growth is driving demand, but the quality of the location matters greatly.