It's a beautiful townhome in a very desirable area for divorcees.

However, some investors are comfortable with this approach, especially if they prefer to limit their initial capital and plan to refinance a few years after purchase—particularly as discussions about the Federal Reserve lowering interest rates into 2025 continue.Ultimately, successful investing hinges on selecting a growing market, a desirable neighborhood, and assembling a strong support team.

Is a paid off primary a desired outcome or just a debate?  

There seems to be a strong desire to embrace and maintain the ethnic/cultural character of this neighborhood and precluding predicted gentrification in the area with the development of the MetroHealth complex. 

The best way to start is by connecting with investor focused agents in your desired markets.

All that to say, what you desire is out there.

Find a realtor and check the desirable zipcodes.

Your CPA is likely considering the intricacies involved in ensuring everything is filed correctly, which could save you from potential headaches down the road.That being said, I understand the desire to explore more cost-effective options.

Conventional loans for investment properties like the duplexes may be a better option if you’re holding multiple properties.Market Considerations:You’re absolutely right that finding a duplex in Lexington under $300k in a desirable area might be tough, but keep an eye on market trends and perhaps look for off-market deals.

And I will ALWAYS try and temper folks' desire to run a Section 8 focused strategy.