I know, I know, more to the IRS, but it's up to you to decide which dragon you're going to chase - more real estate or lower taxes. 

But after consulting family and friends, I decided to spend the 20k on a house instead.

I decided to take a wholesaling course offered by a wholesaler here in Memphis.

Again consult and attorney for more info if you decide to go that route.

If the offer has been submitted it can take 6 months for the lender to decide.

@Kayla Williams I do residential design in the Carolina's and can help if you decide to build.

Based on 30 seconds of researching comps on Zillow, it would probably list on the MLS at $105K +/- if I decided to sell it today.My next rental property.

Then, we decide on house hacking and doing an owner occupied multi family, people are cheering us on.

You can set up an account for accounting and payment (ask the title company where local owner finance folks set these up or look online).Run the numbers on say a 5%, fifteen year mortgage (or whatever you decide or agree upon; that was my term in the end 5%, 15 year to young couple with strong credit/employment).

I have been a lurker on this site for many months but decided its time to introduce myself to the community and get more involved.