That being said, I realize anyone can get scammed, if not careful.#2) Fees - While fees are typically not huge, they do add up over time, and even a 1% fee over the life of an IRA can drastically chew up potential returns.#3) Having faith in your custodial service. 

(I realize there are hot markets NOT in the southeast, ie Boise, SLC, etc...

The latter being the biggest issue, because we're able to fix immediately, and bill immediately thus leaving the security deposit in tact at move out.I just realized I read the second reply as the OP, but I can't edit it out.

We have talked with our tax people and they suggest we keep it for one more year to realize the tax benefits.

I realize every HOA will have different bylaws and regulations, but has anyone had experience with airbnb or a pad split type of strategy in a neighborhood that has an HOA?

Though I realize your tenant is not living there anymore.Check your state/local laws, but you can probably do something similar, even if it isn't spelled out in your all's lease.Or to make it even easier, like @Adam Martin suggested, talk to the tenant. 

I realize this isn't really a true house hacking situation but to make a long story shorter, my Wife works for a Medical Spa and the owner is now acquiring his first Duplex.

They will soon realize the rest of the market is above your rental rates.  

After switching majors  times, I realized it wasn't for me, left, and started working as a leasing agent in early 2020.

My 15 year mortgage puts this deal in a tough positionMy options as I currently see it are-  Rent as is and realize negative cashflow-  Refinance to 30 year loan, (4 ish interest rate) but lower monthly payment-  Sell house and look for other investments-  Pay off mortgage balance to own property free and clearAdvice on how to proceed?