Talk to a CPA for advice based on your goals.Reinvestment: Instead of paying off properties quickly, reinvest your cash flow into more properties to grow your portfolio faster.Rent Increase: Look for opportunities to increase rents or add value to your current property to boost cash flow.Consider focusing on multi-family properties for better passive income.

And for most of my clients, they are generally attracted to a city or market for personal reasons and THEN then find a property that works for them rather than looking at general market numbers...meaning, my clients can make money in ANY market, even ones where the population isn't growing, the rental demand is softening, and the rent-to-price ratios are less than attractive.So to you, does PA mean Pittsburgh, Philly, or central PA?

You didn't save 40% you spent X that could have been used for marketing or growing your business

Highly recommend you looking into a checkbook IRA instead of cashing out.Sure you can take out the principle since you’ve already paid taxes on it but this money is supposed to be for your retirement and in a Roth your real estate can grow tax free, though check with a CPA to see if STR will trigger UBIT in an IRA.

Consider what your long-term goals are, is this your only rental or do you want to grow your portfolio?

.- In some markets, that are growing quickly, with great jobs and lots of inbound migration, this could be a little higher - like 4-5% per year over long time periods as demand outpaces supply.

Then they are changing the nature of investment by investing in sometime called Mission 10k. 

Richmond is a growing market with strong tenant demand from young professionals, families, and college students, depending on the neighborhood.

Be interesting to see the inner workings of the deal and how it was underwritten.The big question in life, not to be or not to be, not nature vs nurture, no, what is the difference between a HML and a PML? 

By nature a business is all about cash flow, equity is second.