So, yes, you'll get a lower percentage of the cash flow (which isn't that high anyway for long-term rentals like pretty much anywhere in the world, including the US) but you'll get appreciation and loan amortization.b) You successfully invest in STRs and make enough money that you don't care that much about the higher taxes.To conclusion, as a foreigner investing in Spain, with a few exceptions of specialized niches, I focus on areas that have (high) capital appreciation and short-term rental potential.Hope this helps.

Are there any lenders who are lower than this, I've been brokering myself.

The meters are rented and the monthly fee ($7.50) can be charged to the tenant on their statement. 

Once we lowered the price to $1 less than everyone in town we filled right up.

Note: Florida charges a hefty tax on rentals under 6 months. 

This could include lower wages, longer hours, lack of safety, etc.

Diversification into multifamily also lowers risk compared to a single rental, as vacancies won’t affect your income as drastically.3.

Once construction is complete, you can refinance into a long term dscr loan with a lower interest rate.

House hacking could work if you find the right deal, but I’d also look into BRRRR or flips in secondary Florida markets like Tampa or Jacksonville, where acquisition costs are lower.

They also know about real estate so less likely to charge you extra fees to get an appraisal or BPO because they can estimate the value themselves.