Hey Cameron,Sorry for the delay,  in math terms 6% is 1.5 times 4%.However, for tax purposes it is not that simple, for your primary residence you get a lot of tax breaks such as not paying for schools, and an exemption of the first x $'s etc.  

I’m open to connecting with everyone here.Hey Cole - I just graduated from UVA in 2023 and did Biology and Economics.

I plan on getting my license after graduating and either staying in Memphis or possibly moving to Nashville.

Not to mention my Japanese friends who are in college all have cheap apartments by the college because they don't want to wake up at 5 am for a 2-hour commute to school.

On my end, I’ve managed to save about $80K and still owe $17K in student loans, but since I’m in the grace period after graduating in May, I’ve held off on paying them to keep my savings in a high-yield account for now.I’ve been exploring Midwest markets where property prices are more affordable, and I feel like this might be the right place for me to start my real estate investing journey.In the meantime, I’m also working with my parents to convert their single-family home into a three-family unit.

You don’t need an SSN to get a driver’s license, register for school, get private health insurance, or apply for school lunch programs or subsidized housing."

Some old school things that work....first make sure the place has blinds or curtains on every window. 

In an ideal world, I think I'd definitely "graduate" to commercial, I get a feeling there's a real upside there (but I assume you need quite a hefty starting capital).

River, I have bid on a few properties that would be great for short term but most of what I am looking at are for long term due to town restrictions and very good school districts.

Low crime and good schools except for problematic counties and cities which every state has.