If you aren't subdividing, where will the money for the additional homes come from if you have just one parcel and it is securing the loan for the 1st house? 

You still have the cash as a security blanket but it is actually earning it's keep rather than buying crumbs.I understand conservative investors, what I do not understand is why they invest in real estate since they have no concept of the true value of their cash.

I am also curious if you are planning on keeping the current tenants or moving into one of the units to secure a FHA loan to house hack a little bit. 

An annual election is not a change in method of accounting.

On thing I can depend upon is me to take care of business and secure my investment.  

Much easier than trying to fight it out with Airbnb and get the security deposit that was never taken.

I also know a fantastic PM here, too, which might help you feel secure about continuing to invest in the area.So you're living in NY and your first two investments were in OH and PA? 

So basically since I didn’t listen to what the one receptionist told me, I was able to secure the property myself.

Securities & Exchange Commission.

The yearly maintenance expenses plus the loss of equity were in the red and she’s on social security.