Real estate investment involves risks, and understanding the nuances of each strategy will help you make informed decisions.

I understand you're looking for a good area with good growth at a good price in the Tri-State Area but if the numbers aren't making sense, it could be worth check out the market in the Midwest specifically in Ohio. 

Quote from @Jordan Naeem: This is a tough situation.You may understand the value of leverage, but your wife doesn't.

I would advise you to market your property to the exact type of person you see buying it, and get an understanding of what they would be looking for to know why they might be overlooking your property.

Just be sure to carefully review the title commitment and understand all the exceptions. 

I understand appreciation is there but it is a small town so it’s not crazy and I am more in the cashflow game currently 

Instead, this rise is influenced by certain listings being unavailable during this period, along with higher prices set by some high-end listings to offset lower demand.Now, let’s examine the variation in cleaning fees per day of booking across the year, applying the same filters as in the previous case.Here are some observations:In contrast to the average daily rate, the cleaning fee per day of booking remains consistent throughout the year.The average value for our subarea in Okaloosa Island (represented by blue dots on the map) stands at $20.6 per day of booking.Financial Case Study: Analyzing the Performance of a Short-Term Rental in Okaloosa Island, FloridaIn this section of our analysis, we are going to conduct a financial case study to understand the expected performance of a 2-bedroom / 2-bathroom unit in the southwestern area of Santa Rosa Blvd., in Okaloosa Island.Here is a summary of our findings from the previous sections:There are two demand hotspots for short-term rentals in Okaloosa Island, with the one located at the southwest of Santa Rosa Blvd exhibiting a higher occupancy rate (69.6%) and a higher average daily rate ($306).The top-performing listings in this area typically feature 2 bedrooms and 2 bathrooms, with 5 out of 8 listings having these exact characteristics.We have analyzed a chart containing the top 100 most common amenities for top-performing listings with 2 bedrooms and 2 bathrooms.The high season extends from March to the end of November, with May and July being the peak months.The average daily rate for a 2-bedroom / 2-bathroom unit in this area throughout the year is $306, with an average daily cleaning fee of $20.Now, assuming we have located in the for-sale market a 2-bedroom / 2-bathroom unit meeting all our criteria, our objective is to run a financial case study to estimate cash-on-cash returns and other relevant parameters.The chart below presents all the inputs for our financial case study:Some observations:We anticipate receiving 40 reviews within a 12-month period, which is a conservative estimate based on our previous analysis.The bookings to review rate has been established at 85%.

I understand that passive losses cannot reduce your taxable income and must be rolled over to be subtracted from future passive income, UNLESS you meet the special allowance that says you may deduct up to $25k in passive losses from taxable income if your modified AGI is less than $100k that year.

Some items I understand you can purchase like a water heater but for lighting, cabinet hardware, faucets, flooring, switches, outlet covers, you can get online!

@Jeremy Taggart, yes I understand that at this time cash flow is more important.