Deciding between buying down the rate and saving for a potential refinance can definitely feel overwhelming.

It’s never a here and now, I feel as though that mindset would set me up for failure.

I can say I've moved to STL about 5 yrs ago and I was at the gym right by the McDonalds/ Lindell Blvd area you're talking about and I feel safe and have not run into any issues there.St Louis is street by street - it really depends.You'll be able to rent it fast there due to it's location, I'm certain.

As a young self-managing landlord, I feel like it makes collecting rent look and feel more "official" so I am taken seriously... and my tenant set up autopay (score!)

If you need any local recommendations, please feel free to message me.

It feels like we're on the brink of something big, and I can't help but wonder how it's all going to unfold.Thanks in advance for your responses!

Just to clarify my previous post, I would like to say that while I've experienced challenges with mngt, RTR/Rent to Retirement has been extremely helpful in navigating this situation so I know what my options are and so I don't feel alone in this process.

Feel free to reach out if you have any questions!

If you’re feeling overwhelmed, consider consulting a local property manager who can help you plan for the deferred maintenance and set up rental operations smoothly.

But I feel you on the 24” model, if you have no choice :(