Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

Review what happened and determine why each item was above or below your expectations so that you can properly plan for next year.Review your prior year goals.Did you buy all of the properties you set out to purchase?

If you’re planning investing in the St Pete area, I recommend connecting with Josh Green.

Talk to a CPA to see how it fits your plan. 

It depends on the rental income, what you plan on putting down (20-25% is typical, 15% or 25% is required for conventional depending on # of units) For your owner occupied deal, you should be able to use a portion of the rental income to qualify and help offset your DTI a bit. 

Plan to start planting it in two weeks. 

Although the percentage of the increase is large, the determinative factors are whether the resulting rent is so great as to shock the conscience of a reasonable person and was effected for the purpose of compelling the tenant to vacate."

Just plan on paying the agent's fee if you are successful.

I don't understand why  OP wouldn't just  either execute the plan as layed out, or.....just flip em or keep them and rent.

I don't plan on going on the actual auctions :/.