The lender I spoke with in the new area said our DTI is the biggest issue, and that selling one of the properties would solve that problem, but selling one house hack for another of a similar price/cash flow isn't something I want to do.Still fairly new to REI so any and all advise is greatly appreciated.

You can definitely get cheaper ones, but we've had durability issues with really cheap ones, and even a lot of them arriving with cracks in the surround.

You’re asking about a fractionalized loan, also called a multi-beneficiary loan.

Usually, the issue here is the land.

I prefer multi family for cashflow but single family works well for long term holdings and tax benefits.

Here is my issue in a nutshell.

; c) invest in passive multi-family REIT type situation; d) stocks (or take a chunk of the $200K at least); e) some crypto I'll report back when my books get cleaned up for more clarity. 

Most small balance multi family complexes will not yield a 8%+ CAP in today's rate environment..unless they will consider seller financing..with 30% down there should be some options for creative finance solution.

If there are concerns or issues with the property condition or capacity as a vacation rental figure it out within the contingency period and accept, compromise or cancel.

That being said, the bigger issue I'm seeing right now is Beyond conservative and leaning toward fear based investing.