A self-directed IRA could be a good way to defer taxes, but there are some rules to keep in mind—like keeping all the income in the IRA until retirement.

If you have a solid deal in the Finger Lakes (which you have said has high equity growth), keep the bird in the hand. 3.

Selling gets a tax free gain and allows you to be more liquid; keeping it allows you to have once in a lifetime cheap debt and have that leverage on an appreciating asset. 

Basically - I want a PM who keeps the property in good shape and occupied to get paid, and a PM who is either bad at maintaining properties and finding good tenants, or just really unlucky, to not get paid.- PM charges 8% of rent, which escalates to 10% if the property exceeds 95% occupancy with rent collection. - PM charges minimal fees.- PM is contractually obligated to perform annual maintenance/inspection to keep property in top shape. - PM provides a cash based accounting report every month, for every unit under management, that clearly labels all rent, all expenses, including management fees, and the net directly ties to the amount of money deposited into my bank account.- PM is a licensed handyman, or has them on staff, and takes care of most unit turn work at a reasonable rate. - PM has no breakup/termination fee- PM does not take project management fees, except on large or complicated CapEx projects exceeding $5,000. 

That is to basically keep you honest, so they judge can tell you tried.

I'd rather keep the sub-3% rate for now and finance other properties conventionally for the short term.

Keep grinding it out my friend. 

Remember, confidence grows with each step, so take action and keep moving forward!

We're also able to evaluate our rates, and keep pace with inflation, on a monthly and quarterly basis because of shorter term leases. 

I will keep this very short and sweet.