Thank you for sharing your experience here; it’s a good reminder to be extra careful when dealing with properties like this.This post has definitely made me realize how important it is to double-check zoning and property classifications before closing on a deal.

A pool can be a big liability, but can also be a bonus for the right tenant that is willing to pay extra for that amenity.

Although insulating the floor is a nice extra, it is not the primary way that cold gets into the house.

If you are paying an extra $1200 a year for something are unlikely to need, how much does a new roof cost? 

You said, "I'll have to put in extra of my own money for reserves..."

interest rates just don't support it right now. 

Hey, if you get married you'll be able to shield an extra $250k in capital gains!!

100% financing, no payments, financing in extra "cash out" money upfront so you can do a rate/term refi once you pay them off... 

Instead:401(k) loans: They’re low-interest, and you’re paying yourself back.Roth rollovers If you can afford the taxes now, this gives future flexibility.Creative financing: I’ve seen clients leverage partnerships or seller financing to limit retirement fund withdrawals.One thing to consider: real estate markets today are vastly different from a decade ago.. so opportunities may require extra creativity.Have you looked into specific deals yet?

I think if you have a little extra time, operating a smaller STR business can pick up some good income.