Also, if you can do a renovation and pull money out to pay it off, I think that would be ideal.Another idea would be to utilize other people's money for the renovation and then pay them back whatever rate they desire through a simply interest note.How is the STR doing in the Smokies? 

If you could find a duplex property (or a single family house that could be turned into a duplex--check any HOA restrictions first), or a "fixer upper" to live in, that could be a better use of the equity you have in the rental house.If you run the numbers and decide it makes sense to sell the rental house (check with your accountant, figure out closing costs to selling and buying) then you'll possibly have more money to put towards a primary residence.You may want to check the neighborhoods that fall in the school district you want to stay in and look in "under appreciated" areas...maybe not the A class neighborhoods, but ones that have potential of becoming "improved".While I understand your desire to stay in a particular school district, it's not the end of the world to consider other districts if they will allow you to build real estate/family wealth that will put your entire family tree in a better position."

After analyzing the local Mercer County market I've noticed there are not that many MFH that are desirable meaning cash flow can occur, but appreciation, schools and good tenants will be at risk.

After analyzing the local Mercer County market I've noticed there are not that many MFH that are desirable meaning cash flow can occur, but appreciation, schools and good tenants will be at risk.

Techvestor's project managers direct local contractors to make the STR-specific improvements they desire.

When you own desirable real estate assets in great locations, you pay for it.

There may be no difference in rental dollars or desirability for covering it up other than the personal taste of the owner.Good Luck!

I have no desire to quit or shift my focus any time soon but want to start preparing better for post-active working days.

All that will bring both downward and upward pressures on the prices.The net effect on the prices remains unknown since Florida remains a desirable location.

Which one are desire and which ones to avoid.I do watch James Wise videos.