My credit has dipped temporarily due to focusing on the sale and keeping cash reserves low, but I have strong real estate equity to secure the loan.

Most of the lenders says 25% down payment which is challenge.Thanks,We do a 15% down on investment single family properties in a unique structure so you get the best of all worlds. 15% low down payment and good rates.  

Money market funds, t-bills, low stress and easy.

I invested in a house in Detroit and it came with a lot of problems due to break-ins and a lot of other houses in the area after being Renovated or even during renovation had to deal with break-ins and people stealing hot water heaters all types of things I'm pivoting into Pittsburgh because I feel like I will deal with less of these types of issues, but I get a somewhat mimic market in the way that I can buy low and still get high appraisals for my cash out Refinances, but still nothing beats the low cost of DETROIT Realestate.

Mortgage rates have fallen to a 10 month low, giving buyers a bit more room but affordability is still tight. 

The property sold for $27k in an area of houses valued in the low $200s.Trust me, I’m not giving up going to the auctions.

Unless it is very low there is no reason to do subject 2. 

On top of that inflation is likely at a record low (people find this hard to believe because of current high prices, but inflation is measured M-o-M).So to answer your question I think inflation is less the issue than the market at this point. 

I don’t know the vehicle-per-day traffic counts (in Texas I’d check TX DOT, you might check Vermont’s equivalent), but there could be potential for more density or alternative low-impact commercial uses that don’t rely on heavy traffic.

And I wanna go with TOH because of the low risk (because I work a lot of hours) and get some decent cash flow coming in.