I lost both my parents last year which was horrific because they were my universe! 

I am currently assisting an investor out of California with a flip in University Heights.

@Brandon Carlson 63117 (Richmond Heights) , 63130 (university city which is close to Washington Univ) and 63110 (tower grove, Shaw, dogtown) are all very good areas.

Usually there is not a universally true right and wrong investment decision that applies the same to every individual.

I'm invested in the University Heights area, and from looking at the market, I don't see a whole lot of activity happening in the area in 2024.

A lot of our guests are coming to visit friends or family at the university, or they are visiting professors, etc. 

You are making an arbitrage already by 1 to 2%.But then, if you are using a bank to get that line of credit, and use the loan to invest, your interests are deductible.You then reinvest that money that will provide enough cash flow to pay the interest and continues to grow also.I would suggest that you check @Thomas Rutkowski website and Youtube channel You can use a Whole Life or an Index Universal Life Insurance for this strategy.

I think we can both agree that it’s a global problem though, right?

I own a house near a university where I rent by the room.

Miami University in Oxford, Ohio or The Ohio State University in Columbus, Ohio) and major southern cities (Charleston, SC, New Orleans, LA, or Tampa, FL).