@Tanisha ElieHere is some information for your considerationPolk County/Lakeland is ideally located centrally to Orlando and Tampa, we have many warehouses strategically located throughout Polk County, to include warehouses for Amazon, IKEA, RoomsToGo, PepsiCo and Publix which make this area strategic for distribution throughout Florida, not to mention Publix is headquartered in Lakeland, and we also have a large presence for Coca Cola bottling and Juices in Auburndale, FL which is about 10-20 min from Lakeland.You will also find LegoLand located in Winter Haven, which is and adventurous theme park with rides and a water park, ideal for the kids, we have many families visiting this area year round, this helped cause an uptick in short term rentals (airbnb, VRBO). https://www.legoland.com/florida/Lakeland is also home to the yearly SUN 'n FUN held in April, which is Florida's largest annual convention, which spans over 6 days on 2200 acres, and it has been recorded to have had a $64 Million direct and indirect economic impact on the I-4 corridor (From Tampa to Orlando). https://www.flysnf.org/about/We have team in this area working on most aspects of investing, I would be glad to help, PM me if you want to chat further.

Instead look at the impact of having an extra $100K to invest. 

It’s sort of like a balancing act, I tracked my credit score very closely (credit karma) and strategize what to pay off that will have the biggest impact on my score to boost it enough to get the best interest rate when refinancing. 

Jeremy Karja If someone is going to pay full market value for your house, there is a good chance they will want to be an owner-occupant.Someone looking for a rental property is going to make a different offer (probably lower) as they will need to consider repairs, capex and all other things impacting their net cashflow on the investment.Some lenders will allow you to go up to 85% LTV on a primary residence HELOC, depending on your FICO score, DTI, other investment holdings, etc.If reducing your commute time is priority, than you wouldn’t need to be concerned with drafting up a lease agreement with the buyer anyway.

Newer loans, hard credit inquiries, too high of balances will definitely impact your score. 

In addition, interest rate hikes have also scared homebuyers off.Some experts say the new tax code is really only negatively impacting the market of high-end homes, while pushing homeowners to choose more tax-friendly locations instead.

Originally I thought it was a detriment, but if this passes it very well may boost the equity.

When your younger and not tied down as much, there’s a great opportunity to work and do school with less impact on your bank account and time.

Also, if we did not fix the root cause issue will it really impact tenants on the second floor?

That couple with now I have a son and want to build a legacy that should he be worthy of it, it will positively impact his family one day too and generations beyond.