This will be helpful for hosts who have already set up their payments with Alachua County.Despite the oversupply, I still feel there are plenty of opportunities in Gainesville, both for STRs and LTRs.If you’re a current or aspiring real estate investor in Gainesville, feel free to share your thoughts, opinions, and stories.

This way the payment never fluctuates.2.

Terms such as interest rates and payment schedules are typically negotiable.Combining creative financing with seller financing can include strategies like:Subject-to and Seller Financing: Taking over the seller's mortgage and financing the equity portion through the seller.Lease Option: Renting with an option to buy while negotiating seller financing for part of the purchase.Wraparound Mortgage: Keeping the seller's existing loan while they finance a new loan that includes the balance.To proceed, consider connecting with experienced investors, understanding local legal implications, and attending networking events to gather insights.

We refinanced and cashed out all our renovation budget plus $5,000 and actually kept monthly payment the same as rates had dropped.

Like the previous poster mentioned, you would be buying into a payment.

Start working towards a 5% down payment so you can house hack a MFH.

If tenant below is paying 1,500/m he's living in area he wants for roughly 750/m P/I payment.

To me, having one mortgage payment for 2 - 4 houses (basically) always seemed interesting and like something that would give me more bang for my buck. 

Most lenders I work with would lend you 70%-75% of the value of the property, but only so much that your NOI/profit is 20%-25% of the monthly loan payment.

I will give you my numbers since we are 3 years into Velocity Banking.Home was purchased at $410k.Interest rate: 3.125%30 year termMortgage payment is around $1950 (includes insurance and property tax)HELOC: 8.25% Variable rate - current rateCredit Limit: $97kLet's say I made $10k a month and our expenses were $6k each month including the mortgage.