Renting at FMV allows you to deduct mortgage interest, property taxes, repairs, HOA fees, and depreciation against your W-2 income, potentially reducing your overall tax liability.

Some programs will do the full LTV that a long term rental would have and some lenders will reduce the LTV by 5%.

Using a 1031 to upgrade to a two-family could help you reduce or eliminate the $1,000 out-of-pocket expense you’re paying now.Also, condos often come with HOA fees that limit cash flow, so be mindful of their impact.

Explore a DSCR Loan with Reduced Down PaymentSome lenders offer DSCR loans with minimal cash-to-close requirements if your property cash flows (even marginally).

Is there a way to reduce the amount of hours so you have more time for other activities?

We had good capital gains on our first new property so we were able to inject that in our current primary residence reducing mortgage amount.

@David Woodside The 500-hour rule allows you to treat rental losses as active, enabling you to offset other income and reduce your tax bill significantly.

I started my professional career in medical device sales and still do that full-time.

We discovered problems that required a lot of work and significantly reduced the property’s value, forcing me to lower the price.

On a percentage basis it has gotten way less volatile as it's gotten bigger, and the introduction of bitcoin futures has also significantly reduced its volatility3) No retailers don't want to take bitcoin because no one will pay a $25 confirmation fee to buy $25 worth of stuff on amazon.