Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

As noted, if your options are Reg D, private offering vs fully registered public offering, even if you are talking Pink Sheet (OTC) stocks, you have public filing costs, annual audit requirements, and likely more on-going expenses that have to be covered by the property(s) owned by the offering.  

Tourism keeps short-term rentals booked, while long-term rentals offer solid returns at a lower price point with steady demand.

I also require additional security deposit and sometimes a guarantor if they were approved in this manner.I also agree that this situation sounds like a pattern not a one-time mistake or short term tough situation that caused this.  

Wow, so many accomplishments in such a short time!

Be mindful of the harsh winters and short construction seasons, which can affect project timing.

Excess depreciation could be suspended as a passive loss unless you qualify as a Real Estate Professional (REPS) or materially participate in a Short-Term Rental (STR)—which would allow you to use the additional depreciation to offset W-2 or business income.

In short: $4.25M Purchase Price. 15% down. 3.25% with seven years remaining. 

Also, 18 months is too short a period of time to obtain a truly significant result.  

I have a mix of long term rentals and short term rentals and I'm looking for something to help organize all of my expenses and more.