One of your biggest potential issues may be insurance if you are trying to use one property for two distinctly different ventures (LTR vs STR).

Information on the tenant (I wouldn't want to touch a property with a tenant with a lease and lots of evictions, etc)  Age of big ticket items such as roof, appliances, HVAC, etc?

You are 23, you own rentals and you have built - that is HUGE for you age! 

Interesting that most people your age barely no what an Ira is and you are considering dumping it.

What age and condition are they?

@Michele B CagleThere is a lot of good info on BP regarding the age old argument whether insurance or an LLC is the best way to address the risk of owning rentals.

It’s probably because my credit age is so young.

There may be important distinctions with local and state regulations as well as how the IRS treats the income and taxation of the property which requires different tax strategies.

However, because of my unemployment and age, I am unable to get a loan from a bank which is currently the biggest problem here.

The distinction from Section 8 being that you need to set aside at least 25% of the units for Section 811 candidates, whom are those that have particular recognized disabilities, but are otherwise suitable for general quarters living.I'm on the lookout for exactly this hybrid mix to either build new, or acquire in the B-C range.I suppose it's an avenue not highly sought after on here, but just putting it out there.