Or price inflation could run double digits. 

-We have inflation rising in most decades and bringing the prices up.  

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.

And the pace of homes being built is too far below what we need to keep pace let alone catch up to where its only going to get worse.And that is going to drive up inflation big time.

(Builders and their Realtors will tend to inflate values to promote sales) If you want feel free to reach out directly and I can analyze the deal for you!

If the appreciation and rent growth lag inflation, the value and income of this property are actually decreasing.Below is a decision tree I created which I hope will provide some guidance.

Sounds like the cashflow is decent to me.... the tax benefits might be more beneficial to you, and appreciation, and the guests are paying your mortgage down hedging inflation... etc, etc, etc.

I think demand for rooms will remain high as inflation impacts people. 

“The [Fed] cut amounts to a declaration of victory over inflation, which has come down from a peak of 9.1% in June 2022 to 2.5% last month.

Real estate investing can be a great idea for several reasons:Potential for Appreciation: Over time, properties often increase in value, allowing investors to build wealth through appreciation.Passive Income: Rental properties can provide a steady stream of passive income, helping to cover expenses and generate cash flow.Tax Benefits: Real estate investors may benefit from various tax deductions, such as mortgage interest, property taxes, and depreciation.Inflation Hedge: Real estate tends to keep pace with or outpace inflation, making it a good hedge against rising costs.Leverage Opportunities: Investors can use financing to purchase properties, allowing them to control larger assets with less capital upfront.Portfolio Diversification: Real estate adds diversification to an investment portfolio, potentially reducing overall risk.Tangible Asset: Unlike stocks or bonds, real estate is a physical asset that you can see and manage, providing a sense of security.Control Over Investment: Investors can influence property value and income through renovations, management decisions, and property improvements.Building Equity: As you pay down a mortgage, you build equity in the property, which can be accessed later through refinancing or selling.Community Impact: Investing in real estate can contribute to community development and improvement, positively impacting neighborhoods.These factors make real estate investing an appealing option for many people looking to grow their wealth and secure their financial future.It really comes down to investing in a growing market, in a good neighborhood & building a great team to support you.