For my personal residence - yes, i would love to own it free and clear as it's not an investment but rather liability which I want to minimize as much as possible.  

@Placeholder PlaceholderOne word of caution I would advise: If a community or local government is enacting restrictions and also regularly enforcing them, then its often a reflection of the local community sentiment which increases the chance of a neighborhood or nearby resident calling you in if they think you may be running an STR.

I have a 780 credit score and no debt besides my personal residence.

Investment Info:Single-family residence buy & hold investment.

Investment Info:Single-family residence buy & hold investment.

If no one but owner-occupants can STR... then that should mean opportunity for owner-occupants who STR their primary residences in many jurisdictions.- Large remodels or construction projects (Live in Flip) can be self-managed, worked on directly, and the value add, after 2 years, is largely tax free up to certain limits. - Many areas around the country allow for ADU Construction - house-hackers enjoy similar benefits to remodeling projects by being naturally on-site for ADU construction. 

I also purchased these while residing in CA!

There's a few different ways to focus on a lower rate such as with house hacking and making the investment your primary residence, requesting a significant closing credit from the sellers for standard rate buy-downs (which I've had great success with recently), or utilizing lenders who offer short term rate lowering solutions such as 2-1 rate buy downs (again, ideally paid for by the sellers).

So everything hinges on appreciation, which could come back with inflation.Primary residences are often not good rental assets.

Quote from @Lamier Guzman: @Jaycee Greene I was thinking Hampton or Virginia Beach, leaning more into Hampton honestly for the duplex's but after my military contract and my 1 year of residing in the duplex is complete I plan on renting both units and moving to Florida or Texas to purchase SFH's and BRRRR them.