@Vishal ChandanRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

I like the multi unit office model, like multi family it brings down the vacancy risk, but also, in a small town I'd be looking at growth trends, incoming investments etc to confirm that use case for the long term. 

I am not invested in the area you are looking at, but I do own a lake front property in north Idaho.Buying a lake house isn't much different than any other house.

I would be focused on saving your house and your credit..

I have been investing in Kansas City and St Joe since just before the pandemic.

I had two large beach houses, one an 8br and another 13.  

Investment Info:Small multi-family (2-4 units) buy & hold investment.

First, I wish there was a location for San Bernardino County (SBC), especially since it is the largest county in the US with so much variance of investment potential. 

I want to invest but I don’t have any liquid cash besides what is in these accounts.

The choice between maintaining liquidity versus reducing debt will largely depend on your priorities and future investment plans.As for subdividing or CPRing the property, there are several advantages.