Often times, I advise folks to start with HML or PML and the refi into a DSCR loan with a bank/CU when the property is stabilized.I am going to assume that a HML/PML loan would be at a higher cost/rate than a bank that would play ball, so I would prefer that if possible...

One thing that enticed me was the potential for higher rents by honing in on the SAFMR and the zipcodes.

These markets tend to have higher appreciation potential but are often cash flow negative unless you make substantial down payments.

In all, the transactional/exit fees are disproportionately higher when selling the inexpensive SFH homes.

I'm not assuming you do, but the luxury creep is real and someone has to say it.I would also focus on higher priced asset classes.

Higher-end finishes and staging make sense for a flip but aren’t always ideal for a rental.

The reality is that you're buying in difficult market with high prices and higher interest rates.

I know many successful investors that utilize it and some have higher-end properties in areas like Maitland.

But, that also gives them competitive pricing at higher leverage on fix & flip loans. 

Here's one more on the other end of the spectrum...only 4 units but is higher than $1M.