The market has shifted.

To adapt, we're shifting our focus to smaller, underserved markets where affordable housing is in high demand.

Your investment is still secured to the underlying real estate (actually your more secured lending than you are borrowing) as well you get to shift the risks and liability to someone else (ie the borrower) while still collecting passive income. 

The market in Orlando is shifting - its still a little "neutral" in some areas but increasingly becoming a "buyer's" market, & the cash buyers I've spoken to are feeling it & seeking to adjust their investing strategies.

Rates likely won't shift too much one way or the other.

The downside to rentals in KCMO is that you have to deal with Jackson County property taxes, Happy Homes Inspections, registering your property with the city and that it is slowly shifting to be less investor-friendly. 

@Chris Mignone would love to connect as I'm looking to shift into the Evansville market.

I've shifted my focus to renting travel trailers (because they're much easier to find and can be moved with a pickup truck) and just last week bought my first one. 

There are always options during market shifts so we made sure we could cash flow rent while we held for the market to improve.

I do think that will change in the next year or so with the shifting market so I think there are some great opportunities coming our way.