For example, some areas SFH may exist but the clientele that move into them have to be comfortable with the neighborhood dynamic.

Secondary markets like Temple, Belton, Killeen, and College Station offer better options for cash flow currently.

My goal is to stabilize, refinance within 3-5 years, and offer strong returns to lenders.Your point about targeting SDIRA investors and high earners is interesting—how do you typically find and connect with these types of lenders?

So, you, as an individual, may not get to the same rate that a MASSIVE national builder can...but you can certainly offer credits to the buyers to help buy down the rates. 

Do you need to furnish it to run it as a LTR or MTR in Cape Coral, or should I offer it unfurnished?

I'd consider doing some kind of cash out refi on the property at a number you're both comfortable pulling out, while still leaving $ for reserves to maintain the STR you currently have.

Each one offers its own set of opportunities for appreciation and cash flow.

At the end of the day, Panama City Beach and Destin offer more potential for consistent returns, fewer regulatory headaches, and the added perk of a beachside escape you can actually enjoy.

:) Thanks for the offer Jimmy, I just sent you a connect request.How do you feel about investing in small and cheap single family homes comparing Columbus to Cleveland/Akron?

That is the truth Nate, boy, I'd be exactly where I wanted to be, but I am definitely one that believes it's never to late, so I'm starting now to get ready for the next 20 years so I can retire comfortably.