Congrats on taking the first step, usually people get hung up on only one strategy, and the best way to start your real estate investing journey is house hacking with lower down payments and interest rate since it is a new primary residence, especially since you can probably rent out your primary and cash flow when you move out.I'm a local investor and realtor here in Denver metro, and I've found success with house hacking here in Denver for myself (rent by room, Airbnb, Section 8, LTRs, etc) along with my clients too.

They are doing a 30 year amortization, 10 year balloon, 7% interest rate and 15% down.

Prime Location: Waterfront properties offer unparalleled views and access to recreational activities, making them highly desirable for vacationers.Strong Rental Demand: With the rise of vacation rental platforms, waterfront condos often experience high occupancy rates and attractive rental income potential.Appreciation Potential: Waterfront real estate tends to hold its value well over time, offering the potential for long-term appreciation.Vacation Rental Income Strategies:Marketing Tactics: How do you attract and retain vacation renters for your waterfront condo?

@Darian Richardson80% LTV Rate & Term refi would likely work here.

With interest rates being so high and it being a condo I pay just under 3k/month.

This rate depends on how fast you're running the dialer, the type of data you're using, the number of times you have cycled the list, how many DNC's have been removed, etc...

Other than deductibles, and of course insurance rate increases, was best possible outcome.

Principle paydown is something that a lot of people gloss over, but your interest rate and loan balance play a big part in this. 

The implications of this are extraordinary far reaching imo, however I want to focus on something much simpler, Buyers, what would you think is a far rate to pay your buyers agent out of pocket, or possibly rolled into your loan?

~I have a 2.5% interest rate on my primary house I do not want to pay off and 200k in equity.