Another option is moving out of your place and doing a house hack.

This is the option I'd pick. 

Remember your situation is unique so it's important to consult with a tax advisor or CPA to explore all available options and ensure compliance with tax regulations.Thanks!

You’re in a strong position with multiple viable options.

.- **Interest Rates Can Affect Refinancing Plans:** If rates increase, refinancing to remove PMI or lower payments may not be an option.- **Scaling Can Be Tricky:** FHA loans are typically for primary residences, meaning you’ll need to strategize if you plan to purchase additional properties.Thinking through financing options and backup plans before you buy is essential.### 5.

Research financing options like portfolio loans or working with international-friendly banks.

Do you want to manage the STR or LTR yourself or are you open to other options like out of state investing? 

This will open up your options a lot more. 

Not sure what rent they were willing to pay and what options are in your area but I would likely want to keep the STR going to and have them rent a nice LTR nearby to you.

It seems now we have a bull market and if it starts going the other way I would like my rental to at least continue to produce monthly cashflow...that's where I'm at now...still researching and seeing my options... $46,800/year in cash flow with $500k is a nice yield at 9.36% ($46,800/$500,000).