I tend to agree, I hate to lose all of my passive income just to eliminate my primary mortgage. just out of curiosity, what makes you say that an HOA is a hindrance?

Rents tend to rise over time, and that extra $100 in cash flow might look a lot better a few years down the road.Have you considered exploring markets like Austin or Scottsdale?

Memphis has a pretty affordable housing market and tends to offer solid rental yields, which might align well with your goals.

Your local partner can help verify if the area really supports those rents long-term.Regarding school ratings, they’re important for single-family homes but may not be as critical for duplexes, which tend to attract a more diverse renter pool (young professionals, retirees, etc.).

They tend to look at the bigger picture rather than just the fine print.

They're typically more expensive than a bank or conventional financing but can close much faster and tend to accept borrowers who can't achieve bank financing.

@William Coet it’s a different business model altogether.I love highly desirable areas that attract highly skilled high income college educated workforces.They tend to be more liberal and therefore the landlord tenant laws.The percent of their income that goes to rent is typically much less than 20% so a rental increase of 5-10% is nothing to them.They are typically lower cap rate areas and therefore every dollar of net operating income that is earned is explosive to the underlying asset value.

A buddy of mine invested early in that area, and let's just say he's not regretting it.From what I've heard, these massive projects tend to create ripple effects in the surrounding neighborhoods.

I tend to agree with you Wale :)

I hear renovations tend to disrupt the energy.