If financing, is it better to get a bank loan or finance at the dealership?

Cash out refi will be tough due to the price, not sure if there is a local bank you can reach out for the financing.

In addition, if i used fixed rate financing, my biggest expense is fixed.  

No contingencies for financing.

How did you finance this deal?

We don't hande things like, finances and payouts, marketing on a direct booking site, leasing, etc.

@Ben Cochran I hope you have factored STR tax savings into your cashflow and ROI as it can be significant.Leveraging equity to purchase a short-term rental (STR) in Tampa Bay can diversify your portfolio and potentially generate strong cash flow, but it also increases your financial risk.While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

Cons I would say are achieving financing.

Many who financed or refinanced 3 years ago have an ridiculously low rate.

Apply the 70% rule to determine your maximum allowable offer, then negotiate and get the property under contract, ensuring your agreement includes inspection and financing contingencies.Arrange professional inspections to uncover any unforeseen issues, using these findings to negotiate concessions or confirm your repair budget.