: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.

Bought it furnished to rent out as an airbnb to utilize STR loophole to offset W2 income (husband and I are high-income earners).

Maybe food for thought on the next time.

This is generally not tax-favorable as you are taking a large chunk out of the IRA at once and will pay a high rate of tax.  

During periods of high inflation some studies show average real estate investment returns as high as 9.5%This is supported by recent and current inflationary conditions. 

I highly recommend you read The House Hacking Strategy by Craig Curelop to prime your skills in that area. 

High ARV and solid airbnb rental.

But the way I look at this example is I go to the supermarket I pay on time, bag my own groceries, carry my food out to the car and still the super market raises prices on food.

I'm seeing 3% as a suggested benchmark which feels high but I've also been out of the commercial space for some years so my knowledge is dated.  

Once your high interest loans are paid off, it shouldn't take you long to save.