I am interested to see if anyone else has invested in that zip code, and what they think long term values (5-10 years) will look like.

Hard Money rates get a bad rap, it really isn't that bad unless you hold it to long.

The vast majority of your wealth gain in real estate will be by holding properties long term and the appreciation/principal paydown will slowly but surely help you become wealthy.For 90% plus of people out there who are looking to start, house hacking is the best way to go.

But my long term is rental mainly. 

My short-term goal is to secure my first single-family and rental property, while my long-term vision is to build a thriving real estate portfolio that generates wealth and financial freedom.I’m currently learning the ins and outs of financing, deal analysis, and market selection.

Real Estate is a safe, stable investment that makes you money in the long term.  

Yes, as long as you reimburse them.

How long ago did you purchase the property?

How long have you been a Realtor, and how's the market in PA?

So how long have you been in N.