Once your secondary becomes a rental, it opens up new tax advantages.

Run the math both ways.

Your experience in Central Arkansas could offer some great insights for secondary markets, which is something many in our club are exploring as well.

Many investors are shifting their strategy a bit — either targeting smaller multifamily properties, secondary markets just outside the big metro areas, or projects that need light rehab to force some equity and improve rents.It can also help to work directly with agents who specialize in investment properties, not just retail listings, or to tap into off-market options like wholesalers and local REI groups.

The math, the tips, and all the different perspectives really helped me see the situation from every angle.After going through everything and running the numbers again, I’ve decided to keep the property and not pay off the mortgage for now.

Flights into secondary markets from the major hubs are already being cut as much as 20 to 30 percent.  

I will be looking for a sponsoring broker soon but I would like one that focuses more on property management primarily, and investing as a secondary... if that exists.

This lack of official data has contributed to choppy trading conditions, as market participants rely on secondary indicators and sentiment to gauge the economic outlook.

This is a loan a lender makes and keeps in their own portfolio (doesn't sell on the secondary market).My Recommendation & The "How Much" QuestionFor someone in your position, looking to systematically build a portfolio, I typically recommend a two-pronged approach:Start with a HELOC.

It’s more of a retirement tool but can serve as a secondary bucket if you’re thinking long-term.Investment Apps or Brokerage Accounts (like Acorns):These automate investing and can provide higher returns, but you’ll be exposed to market swings.