But even if they don't fall soon or enough, we'd be locked into our rate and can look to add value other ways until better refinancing scenarios present themselves.Investors, have you used this type of product?

No black mold present. 

By the market rates in our area a conservative present value for our place already has it appreciating over $200k.

Hi Lesley, if you’re an accredited investor there is an investment product called a DST (Delaware Statutory Trust) that might be beneficial for you to learn about when you perform your 1031 exchange.

I would like to present this to an investor and to the bank. 

I was watching a 30 min presentation on YouTube about this program and the thing that I didn't care for is the minimum monthly payment to cards even with the 0% intro rate .  

There are circumstantial opportunities to obtain variances without presenting a hardship case but it can be a lot of time and effort. 

@Christian Orellana any major metro in Florida is going to present difficulties in cash flow for the first few years.

Quote from @Shameen Brown: Quote from @Bob Stevens: Quote from @Shameen Brown: Seasoned DE/SARR/LAPP Mortgage Underwriter, I have flipped a few homes with family in and out of state.

This framing of an "entry fee" sounds like the best option when presenting to buyers.