It’s completely normal to feel a bit of analysis paralysis, especially when you’re in a position to make a move.The choice between a short-term rental (like Airbnb), long-term rentals, or a duplex comes down to your personal preferences and lifestyle.

I am fortunate that I do not owe on my duplex but we’ve handled selected two tenants that fit with our lifestyle and therefore have the other side rented at under market value.

That is the max loan to value where you can get the best rate available which will still give you 135k~ in cash for the next project, but leaving you with healthy cash flow on the property with the cheapest cost of interest you qualify for. 

Financial freedom goes beyond simply replacing your current income—it's about sustaining your lifestyle for life.

Several of our out of state investor clients are securing very healthy terms on CRE including apartment complexes and industrial warehouse spaces with as little as 25% down and rates currently ranging from 5.5-%-6.75% on 25 year amortizations. 

I enjoy a healthy debate and learned a lot from this thread 7 months ago and continue to learn from it today!

We are very fortunate to have such a healthy real estate market! 

There are a good number or traveling nurses in that area so that can help contribute to a healthy mid-term rental.

Cash is king and I see people make money on a deal and buy a car or spend it on their lifestyle - I did the opposite.

This small business allowed us to quit our jobs for a more flexible lifestyle and supported us for about 5 years.