Hi Shavine - Congrats on purchasing your first home and making significant progress! 

Ultimately your bet in keeping it is that expenses (hoa fees) stay flat and you see higher appreciation (especially in rent prices) over the next several years.

For a property like this, even in California, I would anticipate at least a +7% CR.Additionally, betting on appreciation is speculative and not the best approach to long-term investing.

I bet you already know someone that owns investment property, only they don't "appear" wealthy.Keep working (get a W2 job, or start your own business doing something that will get you around real estate), keep talking, and lead with service. 

I moved here from Florida after seeing the projected growth.With little credit history, it will probably be your best bet to build up your credit to become more lendable, or to go DSCR so the loan is strictly based on the performance of the property. 

@Yanhua Sappin your best bet is to create a gameplay prior to landing in Tampa.

@Alicia Marks- Hi Alicia- I have no idea if you are still checking this, but here goes...I have a small portfolio, yet have managed to place bets in extremely high appreciation markets.

If you aren't clear on it, I would bet they have no idea either. 

I bet you can guess what happened next.

Good luck, and feel free to reach out with more questions as you progress on your journey!