This question is more so out of pure curiosity and inspiration for right now, as I do not live in Miami and I am also just getting started, but basically I am wondering: how difficult is it to work with a luxury real estate firm in Miami such as Nest Seekers or ONE Sotheby’s?

Why are you looking to sell- just out of curiosity? 

I am growing a curiosity of real estate and would like to invest and grow a greater knowledge.

Unless you have already identified some opportunities, you may be sitting a while on that cash so that the interest cost will be accruing while your funds remain unused.I do not know the Provo market (I am sure others on here can give you more granular advice) but am generally a fan of real estate investing in college towns - vacancies tend to be few and far between as demand almost always outstrips supply. 

So @James Mc Ree, I have a hard money loan, is there a right or better way accrue value for the property for external cosmetic upgrades for the hard money lenders who will be appraising the property? 

I have about $14,500 in student loan debt, and because of COVID my first payment date along with further interest accruing has been paused until late November.

The accrued interest, late fees, foreclose fees/costs, plus the sales cost would eat most if not all of any equity potential in my opinion.No short sale here either based on what you wrote.

Out of curiosity, I’ll be sure to check it out!

My plan was to use that as a “savings” and have it accrue better interest, until one day I can go on an investing spree in real estate.

Since Title is held by a legal entity, you need to be looking for a commercial loan, which won’t be doing 2.88%....Out of curiosity, where did the Title start?