More buyers to the market, more sold homes and more higher priced comparble sales on appraisals going into 2025. 

They never received the cards, I keep them, so there’s no danger of them ever using them on anything and they get the benefits of the higher score

Besides, all the features I want are in the higher subscription categories (calendar feature, bank reconciliation, free ACH transfers) that cost $119 and $169 per month for 20 doors or less, so... meanwhile Landlord Studio has the calendar feature and bank recon baked into their sub price of $12/mo +$1 per unit.With that said, I'll probably stick with Stessa for now (free version), and continue to just let my tenants text/email me when issues arise and whatnot, and try not to yoink my hair out over my bank hating Stessa for some reason.

TIARV Park AND Self Storage~4 acres, commercial for $120K (google maps link)Pros: In city, city water & sewer nearby, city allows both rv park AND self storage in Commercial zone, ~$50K worth of timber on propertyCons: Neighbors nearby, traffic visibility not as good here, land needs to be logged/cleaned up - not a big deal reallySelf storage constructed probably out of shipping containers~3 acres, industrial for $135K (google maps link)Pros: clear flat land, higher traffic count between the coast and I5, seller will carry loanCons: zoning does not allow for RV Park, city services unavailable

It didn't change my algorithm ranking and I ended up eating some of the cleaning cost unless I wanted to be completely out of whack with my market (I'm already on the higher end).  

Generally speaking HELOC rates are higher than a conventional loan on a primary residence though so I prefer to leverage the new purchase with 5% down payment conventional loan.

  $695 is fairly typical in Nebraska with there being some a little lower and some quite a bit higher.

There are plenty of nice areas in my market that you can house hack, but generally those are a higher price point, and the rent to price ratio is not as great. 

I think a higher class neighborhood is better for a new investor.

HELOC at 75% LTV will give me access to $155k, but the rate is around 8-10% and is subject to going higher, considering the current instability with inflation.