With your focus in using house hacking, Conventional or FHA loans would be your best options.

If you move up into Pinellas/St Pete, Largo has some options.

New Britain is where you are going to get the best ROI like you mentioned and this is because as a whole there are more areas within the city where qualified tenants are looking to live and the purchase prices are lower while still maintaining competitive rents.

As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.

Solid curtains, water fountain in the backyard, adding trees at the property line nearest the freeway, white noise generators are all other options.

there's a tremendous demand for inventory - both primary residences and rentals - and so buyers are willing to accept lower yield than a lot of us think makes sense. 

Off-market deals give you control over pricing, terms, and creative financing options.

You've only owned it six months, so you probably haven't dealt with vacancies, maintenance, or capex, but you should be setting money aside for those things.Your partnership agreement (if you have one) should address exit options.

Roth IRA contributions can be withdrawn tax-free, but earnings may be subject to income tax and penalties unless the account has been held for five years and you're 59½ or older.Instead, consider rolling over your IRA into a solo 401(k) if you're self-employed, allowing you to borrow up to $50,000 or 50% of the account balance, whichever is lower.

I plan to speak to my broker and it's probably a question for their lawyers, just wanting to check all my options before I choose a route