That is something that is growing due to the limitations of STR.MTR is something that will help you but you will have to be a bit flexible in the times that you are planning to come in.Management is cheaper than STR, but you have to consider other factors such as close to places where those MTR are in need.

The most satisfying changes I've made is move out of tech management and back into just engineering roles, I sold my house in the city and moved to 5 acres in the hills where i work remotely for less money gladly, I've paid off everything, and now I have the flexibility to do anything.

@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.

I know not typical on here to have such a little amount in loans but we enjoy great cash flow that we live on, have lots of flexibility in what we can do and have no concern about making payments if the economy were to take a dump.

If the rental income doesn’t sufficiently cover the debt payments by their standards, they’ll limit the loan amount, even if the property is worth more.You could try a few alternatives:•Look for lenders who specialize in commercial real estate and have more flexible DSCR requirements.

Does anyone know if there is any flexibility here, including if I can keep the HELOC if I have had it for 12 months (so stayed in the Primary Residence for a year after the HELOC started)?

Look into areas with lower price points and solid rental demand this can allow you to start investing without the pressure of high local prices.Your brother’s contribution gives you financial flexibility, so use this time to find a property that fits your needs without rushing.

Flexibility in lease terms can be a big selling point.Hope this gives you a solid starting point!

The current option that we are looking at is buy, live in 1-2 months of the year, convert to MTR or STR for the other months (especially since we are flexible on our end). 

Your answer could guide whether flexibility or fixed rates are the way to go!