From what I understand, the 25% down is because we exceed the income limits for homeready loans as non occupant co-signers. 

The downside here is that, despite having a newer home, you’d be more tied up financially, limiting your ability to build a larger portfolio in the near term.4.

Some 401k plans allow you to payback loans or withdrawals in a certain period.

For instance I was seeing insane growth and development in pasco county, wesley chapel areas outside of tampa, and actually had a hell of a time finding industrial space in Bradenton FL, so at least on the commercial side of things from my limited experience there didn't seem to be a down turn or softening, so its so interesting to here your take on your local market there as well.  

However, the previous landlord permitted them to take over an additional 3,000 square feet on the second floor, which is now filled with inventory and unusable for other purposes.While this tenant has been reliable and has a long-standing relationship with the property, their occupancy of this extra space is limiting our ability to maximize rental revenue.

Another obstacle is limiting my personal liability.

We all have a limited amount of time to work, and there’s a constant push to maximize that time to earn as much as possible—so we can enjoy life beyond work.Most people work to meet their immediate needs—food, clothing, and shelter.

My limited experience with cosigners is that they are nowhere to be found when needed. 

Going to find seller financing deals with 0-10%, finding limited partners who want to double their money in 2-3 years and cover all cost, pure sweat equity.If i close on a multifamily thats worth $1m now, 10% down seller financing so bank isn't involved, after value add it's worth $1.5m, that's a 5x on cash.

The city is limiting STR's to 250 houses which has been used for a few years now.