(no waiting period to simply refi what is owed) DSCR programs are not purchased by Fannie/Freddie so they can set their own rules and some have a waiting period as short as 3 months. 

Are your photos professional?  

My question is: Is this house better off being rented long term for tenants or should I gravitate toward a midterm rental for possible traveling nurses or traveling professionals who want a cleaner, more up to date space, closer to downtown?

My goal is to build a sustainable rental portfolio that provides great housing for tenants and solid financial returns.I’m looking for advice, insights, and connections from experienced investors or local professionals.

If you and your family are willing to house hack and use either an FHA 203k or homestyle renovation loan, the path of least resistance with the lowest risk, in my opinion.If you didn't want to house hack you could try a live-in-flip with those same loan programs! 

I’m not able to personally qualify for cash out refinances.I'm looking to sell my home located in Southwest Florida in a HOA community but want to remain in the home to lease- 3 years or more.Does anyone have experience with this type of program or have any suggestions for me on where to look to get this done.

Hi Michael, we’ve worked with ALE Solutions in the past and are currently enrolled in their Preferred Landlord Program.

Or maybe there's a special sauce for sloppy tax professionals?

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Readers should seek professional advice.