With the home being right outside the EEV border, it's going to be significantly impacted.

This will lower interest costs and free up future cash flow for reinvestment or reserves.Tax Planning: Work with a CPA to mitigate tax impacts from principal-heavy payments and potential gains.

Indeed, thank you @Collin Schwartz for sharing your story and those little details such as how you got your lists and the impact that had! 

Here's some other copy & paste advice you might find useful:---------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

He is an electrician and lost money that had a big impact on his life, set his family back a few years financially, prevented them from being able to buy the house they wanted to for themselves to live in, caused a lot of stress in their relationship etc.

.- The numbers may have an impact on your decision.You may also want to read your condo's Home Owners Association Master Deed & Bylaws to make sure there are no restrictions on any type of rentals. - Many HOAs have LTR restrictions and some now have implemented STR restrictions.Also, hopefully you've updated the home insurance policy of your current STR rental from a homeowner's policy to a landlord policy.

And the reality is the lot is NOT split, and the real cost in doing so, the impact on cashflow and the risk to my loan make it an untenable effort unless I planned to sell right away. 

Understand its impact or know ways to by pass the seasoning.  

Here's my primary reasons:Expenses disproportionately impact lower rent collecting properties For illustration purposes compare two identically designed 1+1 duplexes in the same market.  

She has negatively impacted many people's lives and it is not right.