So choice is staying stock market and making 15%-20% or buying property and MAYBE breaking even. 

There are other options as well such as homestyle, and choice Reno - happy to connect!

Happy to help --What are you referring to when you say you specialize in this specific issue?  

you can PM me I'll refer you to my realtor.

@Austin Paige sorry if dumb question, but regarding the REI calculators you mention:  are you referring to the ones found on biggerpockets (shown in image below)? 

For the STR rental loophole, which is what you appear to be referring to, you need three things:1.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

If you're looking for steady rental income, Cleveland could be a solid choice.

I'm in the same boat for reference- I bought into the "buy now, refi later" idea and am sitting on a 7.375% on my latest property acquisition and a commercial line of credit I have is at prime + 1 (so 8.5%).

Basically, two choices on the market:1) All-in-one units, typically used in apartments2) Separate units that are stackable - usually higher quality than #1