I am sure this is an attempt to keep investors from using their long term financing for flips, they don't actually want the extra interest, this is punitive to discourage nonconforming use of the product.

I'm unsure what the right path is, but I've been reading & watching podcasts about investing in owner-occupied, single family properties.

This is because you're spreading the income out over many years rather than making a large contribution in a single year, which may put you in a higher marginal bracket.The part with a traditional 401(k) that doesn't get taxed is the time the money "sits" in the account.

By spreading investments across these sectors, investors can reduce the impact of adverse movements in any single market segment.Conclusion: The Path ForwardWhile interest rates will invariably ebb and flow, the foundational principles of real estate investment remain constant.

Prices and product availability change all the time.

Age is just a number, Get your product knowledge and jump in with confidence.

There are plenty of other products/softwares out there as well though

If you are comfortable putting out a product that looks like everything else on the market, no reason to hire someone.

I want to ideally find an off-market single-family property as my first deal using g this strategy.

The metro Atlanta area offers a diverse range of opportunities, and your focus on buy and hold or fix & flip deals in the single-family home market up to $250K all in sounds like a solid strategy.