I could never buy land in brickell it's more than 300 million per acre. but in columbus I can buy an infill lot for 40-60k within 1mile of Downtown Columbus. we looked at hundreds of Floorplans and found that 2 bedrooms seemed to be better than 1 and we wanted a tight compact floorplan that could get high rents. rents are higher Downtown Columbus and property values are higher Downtown Columbus by more than 40%. after that we wanted 4 units but it was commercial so we stuck to 3 units because it's residential. in February of 2024 we submitted our first design of a stacked triplex that is 2 beds 1 bath. after design changes, we now have about 7 approved in our market. all of the underwriting of banks is based on long term rentals.

The power bill would be prorated based like you'll pay the first $125 and then bill them each month.

The vacancy was low and rents were fair based on comps. 

Maybe your wife would be willing to take a lump sum based on the equity in the Air BnB. 

U.S. based LLC.

If you're doing a rate and term refinance, there's typically not a seasoning period but again it's common for lenders to require it be rented first.If you're doing a DSCR cash out refi, it may not need to be rented first but you're probably paying a higher rate.Your best option is to call a loan broker you trust and go through the options based on your current situation.

I’m based in Tampa and run Graystone Investment Group, focusing heavily on helping (out of state) investors find and manage properties here in Florida.Totally agree on the importance of understanding those short-term rental rules in Florida—each area can feel like its own little country with all the different regulations!

For example, an algorithm can't compare a property that charges a flat fee for utilities vs one that charges based on use. 

A quick web search shows it can cost upwards of $25,000.I'd say that if the flea-bag isn't a service dog now, it probably never will be.

Reason why is if you go to sell it, people are not going to comp it based on 40 year loan.