The 3 apartments are in decent condition but will need cosmetics when tenants move out such as rugs and paint.

My sense is that I have probably run across quasi-private (small company lenders, possibly backed by hedge funds or private equity cos) who will do higher LTV.I personally am not comfortable taking on high LTVs at this phase of the market so I dismissed them out of hand and didn’t even save their info, and I hesitate to even post something which isn’t specific/helpful, but I do feel that they are probably out there if you look hard enough.But I’d also caution you to read the loan terms carefully because my sense when I have occasionally run across these companies that will do higher LTV is that they were pretty sophisticated, so you would want to be careful in dealing with them to know what you are agreeing to.As I think about it more I think some of those lenders/programs were oriented to make loans to mainly experienced investors and rehabbers, so if you are relatively new to the game you might not fit into their profile.I wish I could give you specific companies (I think one might’ve been based out of Connecticut) but again I am relatively conservative when it comes to leverage so I didn’t bother to save the info.

This is my third custodian and by far the most responsive and client-oriented.

Presuming you bought through a realtor, you may want to look at changing that person out, too - an investor oriented realtor would ideally have enough knowledge to help you avoid problem areas and problem PMs.

Generally, I think veterans are well suited for a career in real estate because you need to be a self starter, detail oriented, driven person to be successful and most vets fit that build. 

In your studied field, it sounds like you will be detail oriented, and that is important when viewing homes Feel free to PM me to talk all things real estate

For instance: your leaking toilet ruined their rug,  your fridge stopped working and their food spoiled. 

We could put a basic couch and rug in the living room and leave the rest alone.  

Or keep it strictly buisness oriented. 

You have a lot of different memebers in Tampa and agents who can help to orient you to the different opportunities.