20 townhomes sounds like it would be sales, but I don't like to assume. 

Purchase price: $341,000 Cash invested: $136,000 Sale price: $519,000 A house that I bought, renovated, and sold.

What is the value as of today, if placed on the market, subject to sales commissions, capital gain taxes, Depreciation recapture, etc.

Basically, you can't STR an entire home here, or even an ADU, and can only STR out a portion of a home that you reside in.

I suppose you could share a portion of that with the cleaner if you are really desperate to keep her. 

This will be the largest bond sale in US history coming up which on top of the debt we are also running as well - if we have so much debt to sell I do not see rates going down, I think they may rise (or stay around where they are at). 

The increasing barrier to entry results in fewer new STR's coming available for sale, but also fewer options for guests to rent. 

I’d appreciate your perspectives.Here are the details about our current home:3/2 Class A property in a middle-America town with historically ~1% annual appreciation.Purchased in 2020 for $200,000 at a 3% 30-year fixed rate.Remaining mortgage: $150,000.Estimated value: $270,000 (based on recent sales).After selling costs: Likely $100,000 in net proceeds.Rental potential: $2,000–$2,300/month.PITI: $1,200/month ($700 mortgage + ~$500 insurance/taxes).Maintenance/CapEx/Vacancy (20%): ~$400/month.If kept as a rental:Net cash flow (self-managed): ~$500/month or ~$300/month with property management.Low appreciation potential but ~$400/month in principal paydown.Considerations:What’s the additional overhead of managing a second rental property remotely (3 hours away)?

And since you are licensed, you can potentially do some sales on the side to increase income and save up for investing.

My day job is being a financial professional, so I have good experience with underwriting and sales that I believe can be translated to real estate.