Texas is a great option, consider San Antonio or Houston for strong cash flow, DFW or Austin suburbs for appreciation, or Corpus Christi for short-term rental potential.

From what you’ve described, it sounds like you’re more focused on long-term appreciation and future benefits rather than immediate cash flow.

Specifically, short-term rentals can help you get REPS status.

I think you have to employ mid term or short term strategies to get actual cash flow in year 1 on a 2-4 unit in a good location.

I've worn three hats in the seller financing world (as a property buyer, as a property seller offering terms, and as an investor that buys seller financed note). 

Looking at this property as a long term rental strategy.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

My name is Omar Santander a new investor that is interested in residential units (single-family and multifamily, with a particular emphasis on multiunit), house hacking, long-distance investing, BRRRR and mid/long-term rentals.

Commercial, in terms of CSLB is retail, offices etc.

Buy and hold used as short term rental property.