But at current prices and interest rates, this will be very challenging unless you go to cheaper areas or nearby suburbs that are cheaper. 

@James Zobrisky Relying on cash flow to fund future acquisitions is a challenging proposition.

Are you looking to pay off the hard money loan, fund another investment, or cover property improvements?

Plymouth is an amazing spot to own a rental but making the numbers work is challenging at current prices.

I have two options 6.625% 30 year or 6.15% 15 yearI want to invest aggressively in the near future on more propertiesThe loan is only $110k and the monthly payment for 15 year is $563 and $750I will earn 2-3k a month in gross rental revenueThe property is in a declining population areaRecently rennovated, and all major things were relatively recently improved such as plumbing, the roof, a/c, electric, etc.Will require a lot of management as it is rent by the room so I may switch to a normal rental after 10 yearsI'm trying to find what will mathematically net me the most money in the long run.

One of the things I love most about this community is that people are not afraid to challenge the status quo (ie. the smart thing to do is contribute to your 401k).

Months' supply, a key market balance indicator, is expected to improve from a 3.7 month average in 2024 to 4.1 months in 2025.

212 Loans has consistently adapted and improved over the years.

Covid was challenging for my rentals that historically had college kids as tenants.

The binary choice was not a good one, but I wouldn't anticipate some remarkable improvement of fiscal responsibility or operational efficiency in this second act.Before I post, remember all - you can talk policy but not denigration of parties/personalities.I think your points are well stated.