I like the ability to attract both summer tourists to a lakeside community and skiers/snowboarders for a year-round draw.The Lehigh Valley LTR market is also quite competitive, though I'm seeing an increasing number of deals hitting the market since the summer.

@Whitney McNair Buy another property that had the ability to cash flow.

If I'm paying 10% or 12% is somewhat irrelevant if I refi or sell within a year, but the ability to borrow $100K or $125K is much more significant since that extra 25% is my cushion for unforeseen expenses on a project.

And when those funds are invested intelligently for liquidity and growth, it amplifies an owner’s ability to reinvest in the property at the right time, maximizing both NOI and asset value.

on the other hand, a 30-year fixed mortgage gets you 1. a fixed payment and 2. the ability to free your cash up for other things.if paying off debt is a priority that's great - only you can decide what you're comfortable with. 

Again subjective, they at a minimum should have some ability to be a part of the decision making process.

I have an advanced degree.

I would consider making the ability to restore the basement to a full house if you ever sold it. 

Hi @Justin Wijesinghe I am closing on properties every month that have the ability to cash flow. 

Nowadays-  those lots are hard to find for $100-150K and shovel ready (those with utilities in place) can often ask $250K+ in prime areas with ocean views or access and they are increasingly few and far between and sell FAST - because they are worth at least a bitcoin or two..There are a lot of drivers of PNW coastal appreciation including; societal and environmental refuge and retreat,  generational wealth transfer, demand growth, invest-ability and maybe most importantly - location.