I assume you got a better interest rate, and I know you are saving a boatload of interest. 3) imagine year 11-30 where you are cash flowing thousands with paid off properties instead of hundreds because of these lean 10 years. 4) hopefully you can raise rents at least $100 each every year and in 2 years your cash flow neutral even with preferred short term mortgage. 

These agencies began calling me non-stop, demanding I fix the heater immediately and provide the tenant with hotel accommodations during the repair period—or else I’d be issued tickets and face daily fines.I won’t go into detail about how I feel, but anyone in my situation would feel like they just swallowed a bitter pill.

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

You might also consider highlighting the benefits of a quieter, more relaxed stay during the week in your listing description.Since you're already optimizing your pricing with Priceless, a short-term promotional discount might just be the extra push needed to boost weekday bookings.

I think there's a path to refinance that would flip me into positive cash flow, but I'm coming up short on ideas. 

But for a short answer.

We all have short memories lots in that part of SWF have been a yo yo in values for decades when the market is hot they go up when it cools they drop to 5 to 20k per lot.  08 09 saw builders in those market go poof.. builders from SE flooded there built a ton of inventory and could not sell it in the GFC I was buying brand new houses at foreclosure in 09 for 30 to 50k each.

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.

just double checked my lender is now 80% LTV for short term rentals only 85% for long term rentals

Unmasking the Real Estate Wealth Myth | Nasdaqa short article from Nasdaq debunking this social media myth, at least in the US.