Sounds like if I stay conventional then my best rates will no doubt be the 25% down options. 

I think the decision to seek cash flow over appreciation can be misguided because the best looking cash flow won't stay that way.

Tenants stay for many years vs vacancies every 17 months on average with MF.

And don't expect the compliant tenants that complained to stay after you minimized their concern and did not address it.

We stayed away from anything breaks the rules....The STR we own technically in East Naples which is 100pct legal.

Stay focused on your goals, and trust the experience you’re gaining will help guide your next steps.

It's critically important to make sure you know the exact zoning in regards to minimum stay requirements before you go too deep into a property.

If, however, it's a longer term, perhaps staying put might make the most sense.

Within the last 2 months, I've been approached by numerous investors asking if I do rent by room which I currently do not.

I'm not saying you need to move to small town America but I wanted to give you a comparison.The only way I can see you staying in NYC and looking to invest in real estate is to find a way to make more money.