I turned lender based in St.

You can get a refi based on the as is value after 3 months of ownership.

I would also let them know they are ranked on a point system based on our application criteria.

Based on the information that you shared, if you haven’t already done so, I recommend connecting with a local expert.

I'm constantly juggling the rates for my Airbnb listings based on what my competitors are charging. 

Tom, Based on what you've provided, if the property was held over one year, you'd be subject to the long term capital gains rates and any depreciation that you took on the property in the past would have to be "recaptured" (Added to your income) at the short term tax rates (but it will not exceed 25%). 

Quote from @Rafael Ramos: I’m Rafael, a business owner based in Florida, and I’m looking for some advice to craft the best real estate investment strategy.

So, for OU (open use) they have gone back and forth whether they would or would not allow based on lot size or otherwise a STR in that zoning.  

@Adam M.The cost for a real estate tax accountant will vary based on location, experience, education and other factors, just like any other professional.

He is regarded as the STR expert in the area but he has used every strategy in the book, and should be able to point you in the right direction based on your goals!