My wife and I have done all the terms (short, mid, long term rentals) and have done some live in flips.

I assume you got a better interest rate, and I know you are saving a boatload of interest. 3) imagine year 11-30 where you are cash flowing thousands with paid off properties instead of hundreds because of these lean 10 years. 4) hopefully you can raise rents at least $100 each every year and in 2 years your cash flow neutral even with preferred short term mortgage. 

In short, I can afford the additional $1100/mo cost of a second house, even until I rent it out.I have around $35K in HYSA and emergency funds that I could use for a down payment, but that's less than 20% which would be required for a conventional loan, assuming full purchase price.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

These companies invest for long term growth.Here's why exploring these options could be a win:Less competition: Fewer investors might mean you snag a better deal.High growth potential: Up-and-coming areas can offer excellent appreciation alongside decent cash flow.Unique opportunities: Discover niche markets with specific tenant needs, like student rentals or corporate relocation hotspots. 

I've done this on one house in order to cut costs - since then, I've added a meter with the utility company but it's a good workaround for the short term. 

I think there's a path to refinance that would flip me into positive cash flow, but I'm coming up short on ideas. 

Vacation RentalsCities with strong tourism industries, such as Berlin, Munich, and Hamburg, offer opportunities in the short-term rental market.

My personal opinion: he's not the only one "doing it right" but he's definitely on the very short list of those that are.Just my .02note: I don't participate in his deals.

Portsmouth, known for its historic charm, offers higher prices but strong demand for both multifamily properties and short-term rentals, with premium rental rates for well-located properties.