I have reached out and spoken with the HOA management property manager myself, and just keep getting BS excuses and no sense of urgency on this matter. 

Your actual property taxes alone on that will be over $10K a year in 2025 and don't forget about that supplement tax headed your way.I would suggest keeping the others and maybe changing to LTR if that will give you consistent cash flows.  

Would a cash-out refinance to free up equity and keep growing be a smart move, or should I focus on paying down my existing debts?

@Alan Mills You mention contractors not keeping a time line , not General Contractor . 

Quote from @Jeff Roth: Hi Lina from Texas-Congratulations on your interest in investing in mid-term rentals and you are wondering how and where to get started.I get this question frequently from investors.Sometimes and investor is looking to keep their property cashflow positive as insurance and taxes have squeezed cashflow by turning units into mid-term or short-term rentals.First off, ideally, the property will cashflow as a long-term rental should something disrupt the mid-term rental model.You will also want to have the property be near where there would be a demand for mid-term rentals (hospitals, universities, research centers).Monthly rents for mid-term rentals are about 20% (+/-) higher than unfurnished similar long-term rentals.There are property managers that will manage mid-term rentals for you and I always advise my clients to use property managers to keep their investment as passive as possible and for compliance issues related to Fair Housing Laws and local regulations.To Your Success! 

My vision is to keep it a while (it’s paid off) and use the cashflow to help with my kids college.  

Airbnb operates as an interest-based algorithm, rewarding listings that grab attention and keep potential guests clicking.

Unfortunately, he got behind on property taxes and was struggling to keep up with maintenance, so the place was in rough shape.

Need to pay down some leverage to keep that DTI healthy!

All residents but the smokers have lost use of their balconies and keep windows closed now.