I enjoy the pops of color but maybe adding in a pattern with color vs a solid could also help visually. 

Hey @Mark Trumble - our team for property managment does drivebys once a quarter, someone walks through the property twice a year for a visual inspection, and property owners do their own professional inspections every few years. 

The amount of loan paydown makes me think that the 3.65% loan is a 15 year, while the bank is offering a 30 year, which can change the dynamics. 

On Friday last week I made a visual with Jason from Friday the 13th standing outside a cabin with a banner "Welcome to Guru Camp". 

Thoughts on rent by the room, if it's college town or young single people, you'll usually get more than renting to a single person/couple/family but the dynamics of roommates may need more management (e.g. how to split water bill if one person is taking 45 minute showers)OP is you are still here, please update us on your journey.

SubTo is far more risky, because it could be viewed as a scheme given the group dynamic out there for it.   

That’s a shocking difference, and the dollars in the visual below don’t lie (see graph below):And it’s one of the big reasons why Forbes says:“While renting might seem like [the] less stressful option . . . owning a home is still a cornerstone of the American dream and a proven strategy for building long-term wealth.”The Biggest Downside of RentingSo, short-term, why does renting feel like a simpler choice?

It's a dynamic and rewarding field, but like any business, success comes from learning, adapting, and building strong systems.

Having someone nearby who understands local regulations, guest expectations, and neighborhood dynamics can be a huge advantage when starting out,

The 1% rule is a useful guideline but not absolute, some markets have different cash flow dynamics, so look at the bigger picture including appreciation potential.Since you’re coming from NYC, also consider how you’ll manage the property, local property management can make or break your experience, especially when investing out-of-state; or do you plan to self manage?