There are a few markets in the US where you are forced to look outside like LA, SF, NYC, Boston etc, but even for Chicago investors it does not make sense to invest in Milwaukee due to the added cost and complexity

Whether you should take a retirement distribution or not depends on several factors1) How much do you value the freedom/flexibility to ues the money NOW compared to when you are 60 years old.2) What type of return can you get having cash vs investing in an IRA / SDIRA.If you can make a 1% - 2% better annual return in your personal name, it may make sense as the added return will pay for the penalties over a couple of years.I personally cashed out of my retirement account back in 2016 and it was the best decision I made.

In general these are either growth markets or markets short housing that has significant hurdles to adding additional housing. 

Quote from @Tom Hall: Quote from @Theresa Harris: Adding extra to the payments will shorten the length of the mortgage and how much you pay in interest. 

Outside of Real EstateMany of the business here in the south don't use digital marketing, ads, etc.

However, the law remains in effect, and the Department of Justice has appealed the decision, adding further uncertainty.Key Considerations for Businesses:1.

For property selection, choosing a duplex or triplex in a good neighborhood can provide steady cash flow, while adding an ADU to a single-family home works well in areas with high rental demand like Portland.

Thus, you will have a higher profit margin.You will have added closing and holding costs when paying with Hard Money.

A friend of mine picked up a duplex there last year for under $150K, added some sweat equity, and turned it into a cash cow.Chattanooga, TN: This market has been quietly making waves.

I added a pool and did some landscaping and have been using it as a family winter retreat and renting it to a STR operator the rest of the year.