@Anita Z.I recommend finding an accountant who specializes in real estate taxation, tax planning and financial planning.

If your properties are highly appreciated I would be cautious about selling them without doing any tax planning.

Also are you planning to hold the lot?

I’ll take care of buyer commission.  

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

Not that that is a bad thing as some are on lower comp plans but they are at the mercy of all having "overlays" and have to sell their loans.

Are you planning to rent the entire unit at the 2nd year mark? 

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

There are a couple of things that come to mind, if a payment is missed the lender cares, if the servicer goes out of business or misses a substitution of trustee, the lender cares, if the borrower goes to the lender to try to get removed from the loan (usually to buy another house) the lender cares, if the property gets caught up in a bankruptcy or divorce, the court cares and that means the lender gets involved.

It was a plan we came up with ourselves (no Internet back then) and it worked for us.