If you are a veteran and you can qualify, you can take over another veterans loan as an assumable mortgage.

Assuming a 11% cost to sell with $600k in equity, I would be left with roughly $400k in after sale cash to myself. 

I know that there are some extra requirements of the USDA loan like the property needing to be in move-in ready condition, but assuming I would be looking at move-in ready properties, are there any other hurdles I am overlooking in using USDA financing? 

As of 2023, if a single-family home was worth $150,000 in 2019, its appreciation rate could vary significantly from that of a multifamily property bought for a similar price.To break it down further, let's assume both property types appreciated over the years.

I can see the value in what you’re doing in the rural southeast—new construction in those areas has a lot of untapped potential, and I like how you’re handling the financing with Fannie Mae assumable loans and light debt.

I assumed this would be the cheapest out there.I have some great local portfolio lenders, DSCR lenders, conventional lenders, and commercial lenders who are competitive and should be able to beat 6.75%.

She's from CT, but lives in CR for most of the year, so I assume she'll know some local folks.

I assume the effectiveness is written on each one and I also assume they must perform that well or face class action lawsuits.

Keep contributing to the 401k up to the limit of the match assuming the match is 25%+.

A particular strategy that may help you is to assume VA loans.