I feel in this market it is difficult to get outsized returns (S&P seems very hot and might be hard to sustain 7%+ returns in long term.. but even if so, I’m risk adverse so would probably keep it my HYSA)I did run the numbers if I were to prepay $60,000 now and it appears the IRRs are lower (because of the higher cost basis).

And it's good that you can always return to long-term or mid-term rentals if need be. 

I can tell you a short-term rental that is 5/2 and in the right area, would do amazing there! 

Terms negotiable.Why Shaker Heights Short answer: Purchased under 70% ARV-Reno, Duplex (two rents), desirable clean neighborhood, decent schools.

I recognize my poor handling of abatement contractor resulted in virtually no progress when COVID lockdowns went into effect.  

I've been a member at Bigger Pockets for years. I've gotten lots of information here, from lots of great people, but "life has been lifing", as they say. 
So, I'm getting nearer to retirement and have seen plenty of ...

If you are not happy in your current role and/or company, there is no shame in pivoting your career into something that attracts you and positions you for long term growth.

I know a lot of people target the travel nurse demographic, but there are also a lot of patients that come for long-term treatments and need housing.Does anyone have experience catering to this demographic, and what are your thoughts on making the house ADA compliant? 

This is going to be a long-term rental and although I won't be living in it, I want my tenants to be safe and feel comfortable if I ever need to sell it so will be doing through extra diligence.

- Has anyone else taken a loan with similar terms?