@Jay HinrichsAgreeMany use their primary residence appreciation as a factor which cannot be taken into consideration.

Now some choose to do it with TK companies and give up the control factor that you have with your investments.

Oil prices remain a huge X factor, and housing prices (at least with respect to rents) are being held back by the most supply EVER being built and coming online here in 2024.

If you sold it, what would you do with the money and how does the return compare to what you get now (factoring in the amount of work/stress with each option)?

Her text isn't a factor either way if you give her notice.

You will need to factor in rehab costs, which could easily eat up another $50-75k depending on the condition.

A loan commitment letter carries more weight as it confirms lender approval, signaling a stronger ability to close.Addressing Closing Concerns: A commitment letter meaningfully reduces concerns, especially when paired with proof of equity and a track record of performance, even if on smaller deals.What Brokers Look For: Key factors are a reputable lender, clear terms in the commitment, and evidence of funds for equity and reserves.

I have sold a couple of homes in Wayside village by Rausch Coleman and the monthly rent price depends on so many factors so I can't answer you a Yes or No.All the best. 

Look at T-bills vs hard money loans for extremes in rates and risk factors. 

I have been investing in Indy since 2017 and your strategy would be the determining factor on location and the type of house you'll buy!