The key is taking the expensive lessons and turning them into rules you never break again.If you’ve still got the capital, the energy, and a smarter plan for the next one, you’re not gambling, you’re adjusting.

Stock market is an investment, and as such is still a gamble.

If you have an out-of-state property, a national bank can be more convenient since you can manage everything online and not worry about local branches, especially if your property manager handles deposits and maintenance payments.

Also check if your lender charges any prepayment penalties or early closure fees.From a tax perspective, since both homes are personal residences (not investments), the main thing is tracking potential capital gains and how long you’ve lived in the current property before selling.You’re in a tricky spot, but balancing convenience and cost here will save a lot of stress later.Thank you Deborah for your input.

If your unit is well-furnished and in a convenient location, you’ll likely see solid occupancy.

.: Quote from @JD Martin: Quote from @David Pike: If you invested $100k and then put $19k in for the capital call, you would potentially get your capital call back ($19K) plus 25% of the $100k so $25k.So you're looking at either a $75k loss if you gamble the $19k, a $100k loss if you don't participate and are wiped out, or a $119k loss if you participate but are still wiped out.

I will recommend considering all smart device capabilities so you can manage them on one app for convenience. 

Here are a few brainstorming ideas:Outdoor LivingMust have potential for high-impact features like fire pits, hot tubs, dining areas, or outdoor games to significantly boost appeal.Views & ProximityProperties with desirable views or close proximity to water, nature, or main attractions offer an enhanced guest experience.Premium Interior FeaturesPotential for dedicated game rooms, high-speed Wi-Fi, or comfortable dedicated workspaces to cater to diverse guest needs.Easy ParkingAdequate and convenient parking for the expected guest group size is critical for convenience and securing 5-star reviews.Garage to Game Room ConversionIf driveway parking is plentiful, converting a garage into a functional game room or extra living space offers amazing added value.Noise & Light AbatementEnsuring quiet enjoyment of the property through noise reduction measures enhances guest comfort and prevents issues with neighbors.

Would it make more sense to market to consumers and sell convenience?

Set clear lanes now: respond fast to life‑safety and habitability issues, batch non‑urgent cosmetic items, and push back on tenant‑caused or convenience requests.