I haven't been able to choose a favorite in this space.

My favorite submarket of HSV is Decatur.

On another note, what's your one favorite non-AI tools these days too?

If you have performed rehab, my favorite programs offer both no seasoning and 90-day seasoning requirements to use the appraised value as the basis for your loan.

If one has to take care of other family members, then that adds another level of stress and complexity.If someone is on their own and wants to gamble, sure, some will take a shot.

My favorite (and current go-to) program uses 80% of AirDNA figures for new STR properties without a rental history, but your current rents will provide a much more solid figure for underwriting. 

Of course, you would not have a remaining equity split to deal with, but the dollars per distribution/time to distribute concept is the same.BTW, in 16 years of setting up self-directed IRA plans, fractional distributions in-kind was my least favorite strategy. 

@Lien Vuong Quincy is my personal favorite due to asian food and community but as you mention slightly far from the city for STR but if I get a walking distance from the T, that would be doable. 

You'd be better off just investing in one of the many note funds rather than straight-up gambling for a couple hundred extra bps. 

It’s my favorite landlord tool - bar none for how much it makes my life easier!