I will continue to search for off-market deals. 

Or is it better to capture all the rental income while continuing to pay my current rent at $500/month?

However, I didn't continue this since I couldn't find any deals that would allow me to do a full cash-out refinance.  

You can't accept anything over the allowed budgeted price.

@Andrew Grimmett If a seller is hesitant due to capital gains taxes, consider creative solutions: suggest an installment sale (seller financing) to spread tax liability over time, a 1031 exchange to defer taxes by reinvesting in another property, or a structured sale for flexible deferred payments.

Stay away from the condos as they are going to continue to have higher HOA's and insurances going forward in Florida.

Certainly not by liquidating their retirement accounts that just suffered an historic drop in value.Do you feel that Oregon’s bias against landlords is a temporary fad, or a permanent change that may even worsen over time? 

We have 2 full years of revenue history, grossing just over 100k in 2024.

The answer is it depends - if there is no more settlement then they are correct you probably do not need piers at this time, if it continues to move then you need to do something.

We also have a bank account at a smaller Chicago community bank, but there technology isn't as good to be honest.I think @Jonathan Greene's main point is don't step over dollars to pick up pennies.