I know this because I have 5 two bedrooms there.You could have possibly been lucky to break even in 2023 but now that HELOC on your primary home that you used as a down payment for your cabin is calling at an even higher interest rate than you planned on because the cash flow wasn't what you thought it'd be so it wasn't paid down as quickly as planned.

I thought, this will wipeout 75% of my expected net yearly profit.

Just a thought, is an equity loan or equity line of credit an option on either of these?

@Steven Taylor - So many thoughts on this. 

That's what STR owners in Arizona thought too.  

Just a thought.

Appreciate your thoughts, Dan 

At first I thought to buy it as a primary residence knowing I would rent it out until such time I returned. 

I thought about it, and figured that if she moves out who knows what kind of condition the house will be in, I probably will end up putting money into it anyway, so probably will be cheaper for me to lower the rent.

Additionally, the 1031 exchange is worth mentioning though I'm sure you have already thought of that.