There should be some financial advisors or real estate attorneys on here around your area who specializes in hospitality ventures and might provide valuable insights tailored to your situation.

Hi @Joshua Manier,**I'm not affiliated with any of the companies mentioned**Your strong financial profile and low LTV puts you in a great position!

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

If it doesn’t make financial sense or feels too risky, there’s no shame in passing on this one.

(Auctions and foreclosures can also provide great leads.)With $20K, hard money loans are a practical option, as they emphasize a property’s ARV over your financial history.

If it’s doable financially I’d recommend the duplex.

Prioritize your financial stability.

I believe such plans are offered by specialty divisions of the mainstream financial services providers like CIBC & RBC.

Here’s some context: Property 1: >$100k in EquityValue: $325kDebt: $220k @ 2.88% (30-year fixed)Property 2: >$70k in EquityValue: $325kDebt: $252k @ 3.38% (30-year fixed)Extra considerations: - I have $15-20k liquid to use for any of these deals- My current job is relatively stable, but not high-payin- Current properties in TX, living in NY, looking to invest in Mid-West (crazy, I know)- No other debt obligations besides the two mortgagesUltimate goal/timeline: Though a bit ambitious, I’d love to build up the portfolio to 10-20 units in the next two yearsI understand that any/all replies aren't financial advice; all ideas welcome for information purposes. 

It can be a daunting task when you are trying to run a business and I finally honored that I am spent!