The house is a new construction in a Class C neighborhood.The tenants pay late rate ~50% of time, they damaged part of the garage, they have people not of the lease living there, and they leave trash in the yard.Part of me wants to keep these tenants because:-They do pay eventually-I don't want vacancy-The turnover costs could/will be high-How much more damage could they do?

Should I wait for Spring for greater inventory, or for lower rates to see if cashflow improves?

I have other assets in Canada but I looking at bringing everything here when the exchange rate is better.

I renovated the home while 3 of my friends lived with me and paid my mortgage.

We're based in Tampa and, in addition to personally investing, I own a mortgage company that provides financing for tons of investors.

It is the interest rates at which banks lend to each other and is short for Secured Overnight Financing Rate. 

You can generally get the best terms (max leverage and best rates) on an owner-occupied house.

Do a bit of digging, and you can find single-families in suburbs like Decatur or Meridianville that appreciate at rates above the statewide and nationwide average and hit the 1% rule at the same time.One caveat, though, is that most rentals in Huntsville proper probably aren’t going to deliver the cash flow you’re looking for.

However, some investors don't mind this strategy if they prefer not to put a lot of liquid in up front and plan to refi out within a few years of closing (which seems to be a great option with the talks of the FED reducing interest rates this year).It really comes down to investing in a growing market, in a good neighborhood & building a great team to support you.

Adjustable rate mortgage, 10% down.