Ivan, I'm in Tampa too and I'm a lender with formal commercial credit background from two of the largest lenders in the world and 34 years of lending experience.

Ive been watching bigger pockets for about a year now.

They are at year 2 1/2 and now say you "might" get 50% in 3-5 more years.

The sale happened last year.

Great to know your making moves again this year.

Based on what I can see on HAR, the HOA is $3000-4000 per year, quite a bit lower than what you’re estimating  Hmmm I haven’t yet, just based on what’s on the listing for the unit on Redfin. 

I’ve been investing in Detroit for years and built a 12-door portfolio that generates $16,000/month in gross rents.

Prepayment penalties- usually 1-5 year terms.

Held for 1 year, completed updates, the property appraised enough to justify sale.

Longtime member of the BP Forums, although it's been several years since I lasted actively participated.