While I’ve considered cash-out refinancing or HELOCs, the high rates make these options less appealing.I’m debating between using cash to acquire more SFRs or diversifying into mixed-use retail properties.

Is it simply another word for peer pressure?

@Samuel Coronado - the challenge is that there will likely be a very small number of renters looking for a house that size, as well as that can afford a rent amount that high who won't just buy otherwise. 

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

That would mean there is an approved site plan that includes roads, water, sewer, storm water, curb, gutter and any required buffers.

Highly recommend Umbrella Insurance ^

Specifically:Licensed and Insured Contractors:Strong experience in fix-and-flip projects is preferred.Proven track record for meeting deadlines and staying within budget.Interested in building a long-term working relationship.Real Estate Agents:Knowledgeable about properties in Chattanooga and surrounding areas.Skilled in identifying high ROI opportunities for fix-and-flip projects.Open to partnering with an investor for repeat business.If you or someone you know is a great fit, please comment below or send me a direct message.

You purchased in 2020 so you're experienced in high-demand, competitive markets.

I said that was too high for me and offered $170,000. 

For long-term growth, consider newer single-family homes in high-appreciation suburbs or well-located small multi-family properties.