I think there's a path to refinance that would flip me into positive cash flow, but I'm coming up short on ideas. 

Since it was my first duplex, I thought having one short term and one long term rental would be good.

Walkthroughs are never detailed enough to be final (ie often tenants have lower disconnected and discover broken appliances later.) 

Of the many strategies I've looked into, House-hacking and short-term rentals piqued my interests. 

Mistakes I see people make is they plan on living there a short time and over renovate the property where they will never get the money they put into it back. 

Find out what financial problem you are trying to solve in the short term until your able to get to more "long term" problems that real estate helps with 

I have contacts for long and short term managers in the Tampa/ St Pete/ Lakeland area. 

Long story short, he couldn't see anything wrong, but said he would have a lot better idea if he could camera the line during the next clog before it is cleared.

I'd rather keep the sub-3% rate for now and finance other properties conventionally for the short term.

I would try not to tie up any of the principal in down payments.Personally, I had a family member do this same thing, but they used an investment portfolio as the collateral instead of real estate.If you play your cards right, this might be the only short-term money you ever need.Please let us know what you end up doing.