And I also think that the inventory in your market plays a large role in deciding what property type makes the most sense.In my market, there is a large abundance of the small multi-family properties, especially the 2-4 unit properties.

They simply took a play out of the Santarelli and Fossum financial fraud playbook and promised 25% annual returns to investors.Unfortunately for those investors, by late 2022, investors stopped receiving payments and were literally “re-upped” or re-solicited by Lopez and Mehr for more money to help them avoid bankruptcy.

Yep, an SF play is actually interesting to me right now.

Dalton,A multi LTR strategy sounds like a great play for 2025.i would suggest attending any and all REI meet ups in your area that you can find; my brokerage hosts a bunch of them up in the north east and it's been huge for our growth.i would also suggest finding an investor focused agent.

In the past year we've been through the ringer financially due to bad contractors, deal promises, and generally just being new to the game.

I do think house hacking and small multifamily are the best plays at the moment. 

You don't want to start playing sides here and getting involved in these kinds of debates.

If your game plan is to pay it off with prepaying all your money you absolutely need a HELOC however don't need to use.

Like everything else... if the numbers work and all the other factors at play are good in your opinion.... go for it! 

Long term play would be to either use it as a short term rental or 1031 exchange it after 2+ years.