Here’s a bit about my current situation and goals:Current Rentals:Number of Properties: 1Type of Property: Single-family home (we lived in it and turned it into a rental when we moved out)Location: Corpus Christi, TXInvestment Goals:Short-term Goal: Acquire more properties and build an equity-heavy portfolio to have leverage if needed.Long-term Goal: Build a portfolio that provides enough cash flow to cover all living expenses.Focus: Expand my portfolio, preferably to at least 10 properties in the next 10 years.Financials:Current Monthly Cash Flow: Close to breakeven (potentially negative by $20, factoring in reserves).Future Investment Budget: No savings at the moment.

Unless you have 20% and have additional assets for reserves and PITI Reserves, on top of a strong PFS. 

I’m not sure your cash reserves but targeting 2020 to 2022 is the best strategy because there’s likely 0 equity in those and they typically haven’t appreciated enough to have to finance a second line of credit.  

I also reserve the term bully for a lot worse words than any I have seen from either party in this thread.   

I think the goal in your early years is to learn as much as you can about the industry (inside an out) and increase your income so you can have the reserves, and closing funds needed to buy rentals or potential flips. 

I heard that STR's are banned in St Petersburg but you can only have 2 reservations per year under 30 days and the rest have to be over 30 days which is considered MTR. 

Take your CAPEX reserve fund contributions seriously and be conservative with the amount you'll be setting aside for reserves in general.

You will need to have down payment money, appropriately seasoned, and any lender required reserves.

They give me an Owner Statement each month with all the details like Beginning Balance, Cash In, Cash Out, Owner Disbursements, Ending Cash Balance, Property Reserve, and Net Owner Funds.It’s super helpful, but it doesn't cover all expenses, and I need to get all this info into QuickBooks.

Second, lack of cash reserves.