And also as mentioned, if you make claims now, even Zero Paid Claims (they say there is no damage and/or they don't pay you anything) it still counts against you now!

But if you have commercial type loans, you may not have much of a choice and HELOCs do not count when you are under audit.

Since I am targeting on 4 units multifamily with FHA loan, I assume ~75% rental income from addition units can count in.

Keeping your current place as a rental is also a great move, though lending guidelines have changed recently to make it a little harder to count that rental income when qualifying for the new place.

Keep the dream alive mateI love the saying "Make a passion an obsession and you will never work a day in your life".I worked as a laborer on commercial sites.Saved $50,000 in 4 years and bought my first property in 2011.13 years later and I stopped counting a 1,000 deals.Made a fortune and lost a fortune but that's the game.As long as you make more than you loose.Had a very successful business fella tell me one day "You can't go broke making a profit, even if it's just $1"Wishing you much success

Depending on your needs, we can share our perspective on success rates in various Disney area communities taking amenities, bedroom count, proximity to Disney, theming and all those factors into account..and we can refer you to a realtor who is a good match for you.

Have some fun with it and count your blessings.Good luck, keep investing and moving forward. 

I also wouldn’t count on doing great cash flow-wise, even if it looks on paper that it’s a good deal... you’re going to struggle with collections and evictions, in my experience.

Do you have all those things on top and the liquid cash, or are you counting those assets as the liquid cash?

I'm not sure what unit count you are looking at, but most 5+ unit buildings need to be LTRs, but anything 2-4 unit multifamily can easily be done with A DSCR loan for short-term rentals.