So either 70% of them are liars, or EV’s are just a bad choice.

I purchased my own paint for a project, but I bought great stuff, and the painters thanked me and complimented my choice.

Hi Melanie, Regarding updates, it was certainly a poor choice of words on my part.

Buying down the rate with points is a personal choice, but if you're holding the property long-term, it can definitely be worth it for more stable cash flow.

TN wasn’t a choice when I chose so I went with the low property tax, cheap insurance, no income tax, no weather, low maintenance, cheaper and newer inventory location that everyone is moving to. 

They often have no choice but to stay and rebuild with insurance money. 

If you want to leave your IRA intact and avoid penalties or taxes, consider other options such as:HELOC (Home Equity Line of Credit): If you own property with sufficient equity, a HELOC can provide funds for a down payment without tapping into your IRA.Personal Loan: Depending on your credit, a personal loan may be an alternative.Seller Financing or Private Lending: Look into creative financing options for real estate investors, such as seller financing or private lenders, which can help with down payments without needing to use your IRA.

As I have been building my foundational knowledge for investing, I am at the stage where I am also wanting to keep up with the market data that, so I may better understand the specifics of the market of my choice.

As for the single family house I have no choice but to sell it since I am stupid enough to fell for a pig butchering scam.

I am still not sure which one is sufficient for me to do.