This is a massive shift with big implications.

Columbus is seeing major job growth and population growth, with massive investments from Intel, Amazon, Google, Facebook, Honda, Microsoft, LG, and more.

I’m glad to hear you must have had massive reserves if you haven’t already lost the property. 

Hey BP community,I’m active in rural and small-town New Hampshire development, focusing on commercial infill and raw land plays that most overlook.We’re not chasing massive multifamily or dense urban rehabs; we’re building value where there’s real need:➡️ Flexible zoning➡️ Minimal competition➡️ Reasonable permitting timelines➡️ Strong upside on build-to-hold or build-to-sellProjects range from contractor bays to custom rural lots, all with a focus on low overhead, fast turnaround, and value-add from the dirt up.

Pegatron Corp. — a Taiwanese electronics contract manufacturer that works with the likes of Dell, Tesla and Apple — appears to have settled on Georgetown for a large factory.
Georgetown-based Pegatron Technologies LL...

After first year they can triple net lease the property with no need to have hospitality management skills while still getting massive cost segregation benefits to offset W-2 or business income.

My business partner and I bought in Saint Louis and when it had massive snow the tenants asked if we would split the cost of snow removal.

My point is that some of us don't need a massive portfolio of marginally productive properties but prefer instead a few very profitable ones.  

.)- I’ll be using a conventional loan (20% down) — moving into the property isn’t an option right now, but I plan to look at FHA + house hacking in the future- My goal is for the rents to fully cover the mortgage — not trying to hit massive cash flow yet, but I want the asset to carry itself while I build equity over time- I’ve looked into other markets like Pittsburgh, which clearly has stronger cash flow, but I’m more drawn to Philly’s long-term growth and proximityThat said, I’ve had a few experienced investors bring up concerns around Philly’s tenant-friendly laws, slower eviction timelines, and stagnant rents due to high new construction volume in some zip codes.

Dave Ramsey would say all debt is bad, but the fact is massive portfolios have been built using exactly the kind of leverage you’re considering.You're essentially trading short term risk for long term gain which can pay off.