Just take out $60,000 from the property, reduce your cashflow & ultimately pay WAY less in interest.A Cashout Refinance is sitting around 7% while Credit Card debt is sitting above 20% on average.I know far too many people who regret selling real estate looking back 20 years, but I've yet to come across one who regrets keeping it.

I've seen some people house hack a single family home by renting out the rooms, but keep in mind that traditional lenders would not be able to use the income from renting out the rooms (known as boarder income) towards additional income on the application.

So I don't need to "ask people in Florida" about your theories. :)And you're entitled to your opinion. 

What's peoples thoughts opinions on this real estate market over here?

I have not done it myself, but have helped some people with financing.

But I see people turning long term or highly appreciated primaries in to rentals.

Like most people have noted, Costco and Amazon are the best places to go.

I am looking forward to connecting with people in the area and sharing wisdom along the way!

I see why people hate permits.

For a vacation rental, I could see people thinking they look dirty / streaky.