The market I’m looking at has plenty of houses in the 30-50k range that could be fixed.

I agree with @Isadore Nelson, there will be an initial sting due to to the IRA transaction but with quick math at 8% your 60k will generate about 4.8k in year one, in 4 months at 1.3k you've already eclipsed that, their will also be a larger tax for passive income and an initial penalty from the IRS, but it won't erode the 8 month difference let alone the yearly compounding effect.

How much extra income can you earn with golf cart?

Sorry for the noob questions lol@Kayenta Saucier The down payment of 25% seems high, the rate is in line with market and the points seem low.

If the property is vacant, you will attract a larger pool of buyers as not everyone looking for a house wants to use it as a rental.

Quote from @John Zhang: If I buy a house and use as long term rental, take bonus depreciation.

The 3-bed is easier to rent and resell, making it a safer long-term play, while the 4-bed could provide better returns if vacancy risks are low.

One of the two was an existing STR with a killer income history, and they wouldn't even use it, they used the AirDNA projection.  

I didn't sell a house.

One of our strategies is uploading our listings to national Temporary Housing agencies, specifically targeting Insurance Claim leads.