I am so grateful to learn that there is a community of people who have walked this path, are walking this path and have found their own success and manifested their greatest dreams and desires!

Keep growing and sharing your story, in no time you will attract clients if you so desire and grow a lucrative REI agent business.  

Also, if I had no desire to at least take time to  see it, Id make life simple and invest in a CD or high yield fund. 

Gino Thanks Gino, Hi Matthew, without being able to do separate deeds, the 12 plex would likely be the most cost efficient but you will also need to consider the layout of the overall property, where as two 6 plexes may lay out better and more functional, and therefore attract a higher rent and desirability.

I have a 2.625% interest rate and the home is in a desirable, established neighborhood in the city and just a few minute walk to the University of Pacific. 

My journey into real estate began with a fascination for property markets and a desire to create impactful investments.Currently, I'm eagerly scouting for opportunities in real estate, aiming to leverage my knowledge and network to uncover hidden gems and lucrative deals.I thrive on collaboration and believe in the power of partnerships.

It's a very desirable area, and it's a good property, but I think a few quality of life things are holding it back.

Note: These are suburban buildings but in highly desirable towns with close proximity to downtown Chicago.

If a place is affordable now and desirable to live in it won't be affordable for long!

As for strong rental potential, the more desirable the neighborhood the stronger the rental demand will be.