@Ben Cochran I hope you have factored STR tax savings into your cashflow and ROI as it can be significant.Leveraging equity to purchase a short-term rental (STR) in Tampa Bay can diversify your portfolio and potentially generate strong cash flow, but it also increases your financial risk.While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

•Explore private lenders or hard money loans if you need higher leverage, though the interest rates will likely be much higher.

Postcards for example most people hope for 1-3% response rate.

What would you assess your personal success rate is for 2024? 

Fit buy box of A or B rated school that will appreciate over time.

Rents and property values rise pretty steadily in our market at a rate about 2-3X the national average.

If its an attorney closing state same thing ask the attorney or one of their staff.Generally though be care of those reaching out and promising rates that are simply better than current rates thats almost always a fake lender or a bait and switch..

A duplex or SFH purchased around that time would likely have appreciated by 5-10%, depending on the neighborhood, and rents in Oceanside and Carlsbad have continued to rise steadily, offering a solid ROI.One client I worked with last year ran into similar frustrations with bidding wars.

Keeping a 2.99% rate sounds great, but it may be costing you thousands of dollars if you are in the double digits with your other outstanding debts.

You'll either have a higher rate for no prepay, or it will cost you points at closing.