I understand I likely won't have an HSA debit card like I do now, and that it would be harder to liquidate my investments potentially.

We decided on the White House area because we were able to find some larger and nicer properties for similar pricing that we were able to find townhomes and things like that in Nashville.

I'm trying to weigh the value of including parking for all units vs. just parking for some (potentially larger) units, and perhaps even fitting an additional unit. 

Those with little to no experience should have even larger amounts of reserves in place before they purchase real estate. 

Also, I was thinking about it and I think if you were going to make shared amenities (like fire pit) you probably would be very successful doing that strategy I mentioned for larger listings.For big dates I would have one listing that is both the primary and ADU that sleeps 12+, or whatever the number is, and then you can have the ADU and primary again as separate listings for the rest of time. 

The houses get beat up far more than say a 1 bedroom apartment because they are larger households occupying them and in many instances additional family members not on the voucher live with them as well without the landlords knowledge.  

If the property is vacant, you will attract a larger pool of buyers as not everyone looking for a house wants to use it as a rental.

Higher Credit Scores allow you to get larger loan sizes or higher LTV options.

Renting could allow you to focus on paying down debt and saving for a larger down payment, while buying now could help you start building equity or even generate passive income through house hacking.

Generally larger commercial properties and shopping centers are easier to classify with hard and fast rules, but to the points above the residential areas really move very quickly and have way more nuance than most people care to admit.zip codes are generally way too large for my liking at least in my market to provide any kind of insights other than macro level economics but even then highways or rivers that cut through a zip code can end up with totally different trade areas.we can get pretty granular with cellphone data and with grocery center data to understand the trade areas and their true boundaries, but that kind of data pull is generally only cost effective for investors doing larger scale projects or developments, and honestly we still just end up getting on the ground and feeling it out, so I generally tell people that the money is better spent on a plane ticket and weekend trip in the area you are looking rather than any kind of "trade area" level data studies.and generally B class in 1 area means something different than another.