Six figure income is still impressive for any residential SFR..optimally rates improve and so will rates of return with a refinance.

More on DSCR loans in case helpful: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Investing in multifamily properties offers steady cash flow, diversification, as multiple tenants reduce vacancy risks and provide consistent income.

So I do currently have income from my rental properties, however it isnt enough to cover our current costs over here for the next 6 months.

The only other issue you will run into with leverage is being able to repeatedly do it before your debt to income ratio becomes an issue.

How much income do you need, and how much do you want?

I'll put them in order of what I prefer and why:1) Save up the cash using cashflow from my current portfolio and W2 income. 

Income vs Capital Gain.

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

Yes, you may lose out on income in the beginning when first trying STR out, but you'll never know until you try.