Although multi-family properties is a term used more in the US and converted itself into a proper investment strategy, this is also possible in Spain (or anywhere in the world).

Very few allow any subordinate financing below their note but I do have ONE that allows 90% CLTV (they loan 75% and allow you to secure a 15% seller carryback as long as you come in with 10%). 

We live in Northern Florida and manage our 10 long term rentals and do flips in northern Florida and we decided not to go that route with this south Florida home after we started digging into it.  

I do hope we move and stay in San Diego long term (20+ years) like I have with Chicago (40 years).

It was on the market for a long time because it didn't qualify for conventional financing will it being unlivable. 

I’m based in Tampa and run Graystone Investment Group, focusing heavily on helping (out of state) investors find and manage properties here in Florida.Totally agree on the importance of understanding those short-term rental rules in Florida—each area can feel like its own little country with all the different regulations!

Now, I’m back and excited to start growing my portfolio for long-term investment.

Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.

Leveraging financing to acquire multiple properties is a smart move for long-term wealth building. 

Short-term stays tend to bring higher revenue, but long-term rentals can provide stability.If the area gets strong tourist traffic, STRs could be a great fit.