Also, glad to hear you have already decided on your niche and location - MFH in St MN area.

If I decide to refi down the road, I should be able to avoid seasoning and other potential problems of cash-out. 

Heaven help us if they decided to cut back on expenses instead, but that won't happen.

Learn for a year then decide next steps and goals

The fastest way to grow a small fortune in real estate is to start with a large fortune and then invest in Memphis without expert local advice :-).the absolute classic and truth in this thought process was the [post  2 or 3 weeks ago titled."  0 to 15 units in 12 months"come to find out west coast person decided it was a good idea to leverage their personal residence and buy D class 400.00 a door rentals in this market.. and I don't care what market any market this is darn near financial suicide..

They decided to move out.

When it comes up for renewal you can screen her as an individual and then make changes, if you decide.

@Rhonda BlueIf you decide to buy a vacation rental property with your IRA or 401k you should not manage it yourself.

You need to decide where you spend your money based off of your goals, but I would definitely set aside some of the profits to work on education.

Finally I contacted roofstock again and escalate to another rep, and the problem was fixed within week. ( If you decided to buy from roofstock and encounter problem in transaction, the person to talk to in roofstock transaction manager.