However, navigating the existing mortgage and structuring a deal that aligns with your rental income might require some creative solutions.

What was the goal for you when you bought the property and how did that goal align with what the turnkey provider told you about it?

Going Direct to the listing agent: If the purchase is low risk, such as a house less than 10 years old in a neighborhood I'm familiar with, and it aligns with an investment strategy I've used multiple times before (like short-term rental, buy and hold, or flipping), then yes, I would consider going direct to the listing agent.

The strange thing though, is that the MLS shows the home to be 1,895 sq ft even though the sunroom is heated and cooled, and attached to the house securely, with windows (this sunroom is an amazing add-on and in great alignment with the rest of the home compared to other sunroom mods I’ve seen).

The strategy in Canada is to align yourself with a mortgage agent who has access to private lenders.

The strange thing though, is that the MLS shows the home to be 1,895 sq ft even though the sunroom is heated and cooled, and attached to the house securely, with windows (this sunroom is an amazing add-on and in great alignment with the rest of the home compared to other sunroom mods I’ve seen).

However, if you analyze the numbers and find a larger multifamily property that aligns with your investment strategy and goals, scaling up to more doors can be a viable option.Considering your available capital, including $500K liquid and $400K in stocks, you have a strong financial position to pursue opportunities in South Florida.

It's important to do your due diligence and research the local market, as well as establishing a strong network of professionals to support your investments.Ultimately, the best deals are the ones that align with your investment goals and provide a good balance of cashflow and potential for long-term growth.

Also, think about hiring a property manager.Regarding the Florida ADU,Using a HELOC can be an option, but speak with a financial advisor to ensure it aligns with your financial goals and risk tolerance.

Would finally align incentives.