Florida, Texas, Arizona, and Southern California are leading examples where strong demand, warm climates, and economic growth contribute to steady year-round activity.

Having an open conversation about any possible contributing factors, including outdoor exposure, could help resolve the situation.

Consider the extra expense a capital contribution to the equity provided these are in good locations. 

.- because the USA has contributed more to global warming than any country and has prospered from it. - some otherwise smart people do not believe humans are contributing to global warming.  

Additionally, the increasing cost of living in Florida is definitely contributing to the problem.

there's no 'cash flow' in a BRRRR right now - what you get is the equity you've forced.i couldn't be less interested in contributing $X, waiting several years, and hoping i get $X back plus a return on top of that. 

They can contribute half the purchase price, half any equity, half any money you've put into the property etc.Then have an ironclad partner ship agreement. 

We’re excited to have you here and look forward to your contributions!

If you are over these amounts, you can do a backdoor contribution, which is contributing to a Traditional IRA and then immediately converting to a Roth IRA.

Your credit score (672) is a bit on the lower side, which may also be contributing to the higher interest rate and cost.Have you looked into working with private lenders or small local portfolio lenders?