Quote from @John Williams: Quote from @Daniel McDonald: @John Williams like Bruce mentioned area is going to play a huge part. 

If your goal is to offset your mortgage with a house hack then Lowell would be a good bet, but if you're looking for a longer term appreciation play then the areas closer to the city would be better, although the offset from cashflow may be lower than what you're looking for.A good step for you would be to dig into specific areas more as @Lien Vuong noted above.

Play with numbers and today interest rates to see if it makes sense for you since you’re locked in with a good low rate.

@Lynkeisha Dixon I’ll play devils advocate.

I have a good friend who has some great data on all the different neighborhoods - I am happy to share that with you.Also, if you don't have a lender already, I have some rockstars that I know like and trust.What sport do you play?

As Jay and Jamie have stated above, a minimum of 6 different factors play into the pricing, but it is not an all or none issue. 

@Derek BuehnerThe timing of your improvements plays a big role in determining their tax deductibility.

The market has changed a lot over the last 10 years, it went from a cash flow play to an equity play.

This likely reflects reduced demand for T-Bills, heightened inflation expectations, and increased Treasury supply, all contributing to higher mortgage rates and a tougher environment for buyers.There’s likely more at play here, but I agree it’d be great to see mortgage rates head in the other direction sooner rather than later.

To answer your question yes its enough but in many cases it might be risky.2. location, room to raise rents, occupancy of property, local laws, type of investment are just a few topics that play a huge part.