Any input would be appreciated.

@Rohmah Ismael this can all be covered faster on a phone or Zoom call.DM me...

Offer a competitive interest rate, but lower than the current rates being paid. 

If you haven't already, try going off market, driving around neighborhoods that would be of interest to you and finding ones that fall into your criteria (your agent should be able to help you as well).

The information shared is based on my experience and industry knowledge and should not be considered tax, legal, or financial advice.

I like where I live and it has the potential to be a good rental for me down the line, so I've decided to go through with making the purchase. 

If you have a deal in the Jax area that might be a fit, I might be able to connect you with someone who could help.Thank you!

Additionally, while rates aren't historically bad right now, they are higher than 4-5 years ago, and they will be even higher for you as an investor than they were as an owner occupant, which is what you were when you bought originally.I get that you are anxious to add to your portfolio, but that could be achieved without touching your first golden goose.Sometimes on BP, the push is to leverage every last spare penny, but that can be a risky game as the markets shift. 

Any issues it appears will be on the landlord.

There's what would be best practice for you as a host and there's what's practical in the current STR world.