It may trigger if you are paying down the balance aggressively during the prepayment penalty period. 

Interest is calculated on balance owed, so you reduce balance owed and you pay the loan off faster.

I like that you pointed out all the positives and negatives for a fair balanced post that will help other investors evaluate future options.I have been posting for a while on how hard the North Alabama market has become, and this post shows a good example of it. 

I had enough food to get by.And I had to deal with a worldwide pandemic slowing down the economy when it came time to list my house.But life has a great way of balancing out the good and bad.

IMO it is really just above median (B-) and just below (C+) where it makes the most sense for a balanced approach

Can you give the forum a few numbers on your existing properties, including estimated values, current loan balances, current rent on the duplex and expected rent on the SFH?

Balance that versus lending the money out at 10 percent.

However, the success of this approach hinges on consistent appreciation, which depends on demand.The Key Factors to ConsiderPrice Dynamics: Prices are driven by the balance between buyers and sellers.

Ultimately, it's all about the right balance—staging should always be tailored to the home and the market it’s in, which is where working with a knowledgeable agent really makes a difference.Would love to hear your thoughts as well!

That said, the fewer units a property has, the easier it is to manage, so smaller multifamily properties can offer a good balance between cash flow and simplicity.