We are thinking a 3BR with pool, 10min max from the beach.

Highland could be a good option as well, but it is more difficult to find a lot of good options in that price range, as well as having a slightly smaller renter pool than most of Lehi would have.

Whereas little far from amenities like pool or gym. 

(You’re protecting equity/your net worth, if you don’t have anything you don’t need an umbrella.)I used USLI for a long time but they changed their standards a couple years ago and wouldn’t offer more than $1-2m if any property had a pool.

Without paying a buyers agent commission you are looking at a smaller buyers pool (Especially in Avon).

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

https://abnb.me/ug2awNfYPEbHad to reinvest most of the profit to add amenities, fix pool, add replace the equipment.Looking to add more amenities like wooden canopy with hanging chairs and fire pit, sauna, tiki bar.

The pool of unqualified buyers wanting to get in is pretty large & getting larger in this inflated market! 

In 2010, there were "new" cabins - with indoor pools - that sold for $899K a year or two earlier going for less than $250K by the bank. 

Mortgage 15/1 arm at $3.375% with max 4% interest increase due 15 years from July 2015 (Aug 1, 2030).Current condo monthly maintenance fee : $1036 includes water, amenities (pool, tennis court, concierge, gym, sauna, community room with pool and ping pong, maintenance)Current monthly mortgage payment: $499 interest, $504 principal Monthly taxes and insurance: $459 monthly contents insurance: $38Past Assessments: $11k for building HVAC upgrades $8k for building updates and building reservescurrent market value $400k - $425kcurrent  monthly rental median: $3100-$3200monthly landlord insurance: $45I'm also trying to decide if I should rent or sell and invest elsewhere.Appreciate all insights.