I think there's potentially a different feeling when you convert a personal residence to such an investment property versus purposefully buying an investment property. 

You will know best by your vetting and gut with whom you could live.

I am very perturbed by the authoritarian way the program is managed currently, it feels like landlords are being purposefully ignored because we are profiting from the relationship (lets face it, everyone is...it's called business.

There's a high chance that you are feeling FOMO from the returns in public markets, sell your houses for a loss, pile into stocks, and then see mediocre performance while real estate heads back higher again.I see this, and similar actions, play out over and over.Personally, I'd stick with the real estate rather than selling it.

I work with a mortgage broker with connections to a variety of lenders so if you want me to look into any options for you, feel free to PM.

If you can hold off for 2-3 years to save more and build a solid emergency fund, it may give you greater financial flexibility when you’re ready to buy.If buying now feels too risky, consider renting for a while to gain privacy without the long-term commitment of a mortgage.

Whether you’re a seasoned investor or just starting, feel free to reach out!

This will feel like you are skipping your December mortgage payment, but it will all be contained within your prepaid interest and your mortgage payoff.           

If you want any guidance feel free to send me an email. 

Purchase price: $179,000 Cash invested: $15,000 Lived in the property for 1 year.Knocked down living room wall, replaced Hvac, floors and gutted and remodeled the kitchen, attic insulation, converted the living room and the dining area into rooms.