Today it would be hard to say but location wise maybe C, inventory wise B-D.

"As a newcomer to commercial real estate, I believed investing $10,000 in education would be a wise decision.

Yea reality of a property a year isn’t wise nor reachable… yet.

You are being penny wise and pound foolish. 

Once you have it on your hard-wallet, as far as i know, that coin is untouchable security-wise.

I lean towards selling, recalibrating everything, then redeploying the capital wisely when the right opportunity comes!

With your boyfriend working for a builder/investor, you might have access to some insider opportunities.Working with your boyfriend’s expertise and connections is a huge advantage, especially for managing upgrades and potentially cutting costs on labor or materials.The $45K Home: Keeping the inherited property with the $45k balance as-is until Year 3 is a wise decision.

What is table stakes amenities wise to compete with them?

Always a wise move to look for a turnkey provider offering properties at the 1% and up rule with in-house property management as well.

For sure — I’m trying to determine if I’m making a bad move tax wise, or if I should somehow leverage the equity locked into the rental, which seems challenging with the low interest rate of the mortgage.