Selling seems like the clearest path to maximize profit and flexibility—especially with $100k equity to work with.

Your drive to learn and network will be invaluable as you explore creative strategies that maximize returns and minimize upfront costs.Feel free to reach out, ask questions, and share experiences this community is a great resource for learning and connecting with like-minded investors.

I'd also consider ways you can maximize your cash flow.  

To maximize the living space, we worked closely with the city to create egress window codes, allowing us to add an additional bedroom, a beautifully finished bathroom, and a family room in the basement.

I get the 2 schools of thought on keeping cash flow to stay liquid vs. investing your money where it will make the highest return, but my W2 job salary means I don't "need" the 2400/year of cash flow at the moment, really all I am looking to do is maximize this rental return over a 10-15 year return window.  

Consider strategies like maximizing depreciation (e.g., cost segregation studies), carrying forward 2024 losses, and accelerating deductible expenses to reduce taxable income.Shift to Passive Investments: If management has become burdensome, hire a property manager or transition equity into more passive assets like turnkey properties, syndications, or REITs to reduce workload while maintaining income potential.Expand or Reinvest: Use your equity to acquire new cash flow-positive properties in markets with strong fundamentals, focusing on diversification and long-term stability.By refinancing, selling underperformers, or paying down debt, you can improve liquidity and cash flow.

HI Pinny,You can always start off by house hacking meaning you live in one UNIT or ROOM and renting out the other vacant units/rooms to offset your monthly mortgage payment.There are several ways to run and make sure you are maximizing your rental income while keeping your living expense as low as possible.

If you want to maximize write-offs then you have to go the manual route, if you are okay with a softer angle, use the automation.

Additionally, it can help maximize renovations and improvements.20% of the total depreciable basis was classified as 5-year class life.

If you use an FHA loan as an individual, you’ll benefit from a low down payment (3.5%) and more lenient qualification requirements, but you won’t have liability protection, and the loan will stay in your name when it becomes a rental.Using a conventional loan through an LLC offers liability protection and scalability for future investments but requires a larger down payment (15-25%) and often comes with higher interest rates.If maximizing cash-on-cash return is your goal, FHA might be the better starting point.