Bottom line:Yes, you can sometimes find 7-handle rates, but upper 7s are the going rate for vanilla 30-year fixed investment loans.

NOTE: translating your max PITI to purchase price is dependent on interest rates and actual propety taxes.If you go this route, you'd probably want to explore fixer-uppers and use an FHA 203(k) loan to include the cost of rehab in the purchase mortgage.You could then HouseHack other bedrooms via LTR, MTR or STR, to cove part of your PITI and save for the next purchase.Or you could flip it and use any proceeds to put down on a more expensive flip or rental.Difficult to make assumptions to look at a 2-unit, but you would qualify for a higher purchase price IF the other unit was already rented out - the lender would recognize that rent as more income for you. 

The lower level tenant was due for lease end Feb 2026.  

In addition to requiring better pet hygiene, removing the carpet in the upper unit and replacing it with vinyl plank flooring would help since it is a lot easier to clean and won't retain the odor as readily however the carpet likely helps to dampen some of the sound from the upper unit.  

It definitely impacts my review if a host doesn’t allow me to set the temperature to my comfort level.

I was looking at what's available within the zip code and you are at the upper end.

Are you looking for turn-key properties or something along the lines of a "fixer upper"?

Quote from @Marc Winter: After just finishing my home inspection recertification, I plugged your question into the system, heres what it said:Most likely cause: Differential movement + thermal expansionThis type of crack is commonly caused by one or more of:Thermal expansion/contraction of a long brick wall (brick expands more than people realize)Lack of control joints in the masonryMinor differential settlement between structural elements (floor line, lintel, or bond beam)Possible interaction with a floor diaphragm or window header lineHow I’d classify itCategory: Non-structural / serviceability crackSeverity: Low to moderateRisk: Usually cosmetic unless it continues to growWhat would confirm thisCrack aligns near a floor levelNo stepped “stair-step” patternNo widening at one endInterior walls at same level may show hairline cracksThe stepped / jagged, diagonal through mortar jointsWhat it looks likeStair-step pattern following mortar jointsChanges direction vertically and horizontallyLocalized area rather than full-lengthSome patched/effloresced areas nearby⚠️ Most likely cause: Foundation movement (settlement or heave)This pattern is classic for:Differential foundation settlementSoil shrink/swell (expansive clay, poor drainage)Localized footing movement (corner or bearing point)The stair-step pattern forms because masonry is weakest at mortar joints, so stress releases there.How I’d classify itCategory: Structural movement crackSeverity: Moderate (possibly increasing)Risk: Needs monitoring; may require repair beyond cosmeticWhat would raise concernCrack width > ~⅛ inchNoticeable brick displacement (one side proud)Interior drywall cracks aligning with this locationDoors/windows near this area sticking🧠 Why these two cracks have different causes (important)Even though they’re on the same wall:1. global wall movement (temperature / restraint)2.  

Basement burst because it has an exposed door and we had temperatures in the upper 40s early this week.

You can certainly use the magnifying glass in upper right and type in accounting software.