You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you.... 

Pick a lane based on your strengths and long-term goals.

I am seeing interest rates start in the mid 6% range for foreign nationals here in Florida.

Or is it calculated daily and the base rent increases after 10 days when the late fee hits the account?

Charge the tenants a higher rent rate and include utilities with their rent.

Good occupancy and solid CAP rate.

If you tell the IRS it is an expense, it is no longer income.W2 income does not use a 2 year average for your base pay! 

Quote from @Ryan Mcpherson: Moved to Austin for work and purchased a home in 2021 with just under 4% interest rate.

Airbnb operates as an interest-based algorithm, rewarding listings that grab attention and keep potential guests clicking.

Most Heloc rates right now are around 7.75% to 10% so if you look at your blended rate between your fist and Heloc you would be better off doing a cash out refinance.A lot of people forget or simply do not know that if you do a cash out refinance the rate does go up but in 12 to 24 months if you do a "rate and term" refinance you can get it back down fairly close to where it was at prior.