Since you’ve already put in the work, if you don’t need the cash for a down payment on your next home, I’d lean towards keeping it as a rental. 

And to clarify, you are leaning heavey towards cash flow?

I’m starting to lean more towards private lending as a way to get my toes wet and get my money working for me in a relatively stable way.I’m looking for educational resources or literature.

Just be mindful to keep relationships with your tenants strong.I’m curious... if you had to pick just one route right now..sell, refinance, or optimize..where do you think you’d lean, and why?

I’ve experienced success in the STR market here in St Pete myself but I’ve since transitioned my properties to long term rentals for convenience and time management sake.

Of course it will be much harder to find someone who wants to pay for it as a business as they will need a loan and appraisers will probably lean towards a real estate valuation

Defintely lean on those who’ve gone through it before.. it’ll help you dodge those pricy early missteps.When I looked into places like Omaha, Austin, or even San Antonio or Phoenix, I noticed a certain rhythm... and Invsetors I know actually learned a lot just by sitting down with some local landlords over a cup of coffee and hearing stories.

That area is appreciating and is a great spot for those that want the convenience of Southend and walkability.

As an attorney you likely have relationships you can lean on if you want to pursue this avenue. 

With multiple units, you’re less exposed to vacancy risk—if one tenant moves out, you still have income from the others.If you’re leaning toward long-term buy-and-hold, multifamily might align better with your strategy.