Hello,All else being equal (other than the 2022 tax abatement for the gray’s ferry property) what area do people think would appreciate more and offer best rents?

Only considering because we could sell both tax-free being primaries 2 of last 5 years, and expenses are going up on both, and we may be able to get better returns elsewhere.

Can you earn more than the mortgage (net taxes on that money) ?

There are also some great tax benefits to investing in opportunity zones which are commonly located in C and D areas.

We have about 20% as a "down payment," but I assume that avoiding a traditional loan would be the best way to avoid extra fees and costs.Have you ever purchased a home from a family member, and if so, how did you come up with the money? 

You will learn the tax advantages in the process.

Was able to have the seller pay all closing cost and fees (over $25,000) How did you find this deal and how did you negotiate it?

I have a strong credit score and expect I would be able to get approved for this mortgage.Monthly taxes = $155/month ($1,860 annually)Annual insurance = Estimated $166/month (~$2,000 annually)Annual HOA = $196/month ($2,352 annually)Maintenance = Estimated $250/month ($3,000 annually) (0.5% of property value given that this is a newer build.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

So you get 57% of $400k tax free and pay tax on $172k.