For my 1650 sq’ gulf shores STR, my insurance was $272 /mo in 2022, then $302/mo in 2023, now going to $416/mo.

Post in Temporary/sublet housing and Apartments/Housing for rent categories.

@Mora Clark I love the Silver Spring Shores in Ocala (34472).

However, most non-government jobs are temporary.

If your second home is located in a federally declared disaster area, you may be eligible for temporary mortgage relief options such as:- **Forbearance**: A temporary suspension of mortgage payments for up to 12 months.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once.

There may not be a lot of equity in it in just 2-4 years as real estate isn't increasing in value as fast as in the past.If you want to build a rental portfolio, your unrentable condo isn't going to help.Buying a new primary, that you can eventually rent out, would be better for building your portfolio.A challenge will be finding a new, TEMPORARY home, for your family that will be a good rental when you move from the area.

Myself I had my title company pull every NOD in the MSA which was 4 counties 2.5 mil people. create a spread sheet and they would up date it daily as new NOD's came in.they would give me address  lien position  tax information and lien judgment search.. having our title plants digitized and off shore allows for this data to be gotten in a few clicks.. then when I got my short list I would give them that list about 48 hours before the sale and they would do a date down for me on those..

My 2-flats are 3-bedroom units (which are much in demand from "families" needing temporary furnished housing).  

If you do plan to refi at or around the 3 year mark when the PPP expires I would also ask your lender about a temporary rate buy down instead of / or in conjunction with a permanent buy down.

If you want insurance bookings, submit your property to relocation companies like ALE Solutions and CRS Temporary Housing.