If things go belly up, the other loan gets paid first. 

Our goal is to keep and hold minimizing or eliminating any debt and enjoy the cashflow and re tax write offs. we have 19, had 20 and regretted almost instantly selling the one.

Seeing as there is a variety of these programs, I will definitely have to look into this more, as I was not planning on living in this property long-term which would eliminate many it seems.Thank you very much for the information and should you make a post on the subject, I will be sure to check it out!

I like the idea of just doing a DSCR loan though like Michael suggested.Some other things to consider:Will the seller of the second property take a short term note for the balance of the purchase price after you eliminate the debt on it?

Then there is possible MTR/STR/padsplit option to eliminate negative cash flow.  

Choosing the most expensive insulation because it's the most energy efficient, should allow you to reduce and/or eliminate costs in other areas.4 - Energy efficiency isn't made up of added costs.5 - Energy efficiency is the product of reducing energy needs, not supplying added energy.6 - Cost effectiveness is a product of maximum use of materials, as in little or no waste.All of the above should be obvious, in parts. 

If not, I'd highly recommend looking into a house hack to build a solid base, and, for the following reasons:- Cut down or totally eliminate your biggest overhead (assuming that is rent?).

But I know I made the right call when I sold some properties end of 2021/early 2022, and did not 1031ex, but rather paid taxes and eliminated debt on the properties I wanted to keep.I’m hoping to keep what I have for as long as a I can stand managing them (at least they are nice properties in prime locations…but as I get older my tolerance for hassles diminishes ;)  So I don’t fool myself for a second acknowledging that there are all kinds of external factors that may compel me to sell.

This will at least eliminate some deals before wasting your time and money sending a contractor out.

One option eliminated makes the choice clearer.