If your goal is growth, a refi now might make most sense, but only you can make that decision.I'll also second what @Jaycee Greene mentioned that most lenders won't go to 80% LTV on a cash out refinance. 

Quote from @Jonathan Greene: I believe in SLC, they are still requiring the owner to live in the main house (meaning you don't have to be there, but you can't rent it) for you to use the ADU for anything else.

Cross border taxation is very complicated, most developed countries like the US and Canada have sophisticated systems to ensure their residents pay taxes, and you are not likely to be able to achieve your goal of not paying Canadian taxes on Florida income while a Canadian resident. 

Quote from @Jaycee Greene: Hey @John Tomassacci!

Quote from @Kwok Wong: Quote from @Jonathan Greene: Quote from @Kwok Wong: Hi @Jonathan Greene, @Chris Seveney thanks for your response and I apologize for the short message. 

Of course, with private lenders, you must give up equity or a return on the debt.I agree with @Jonathan Greene that the BRRRR market is difficult right now.

this was the only refund by RADD mentioned in the 66 Google reviews/responses on their Google listing, and it was in response to an investor who had filed an SEC complaint, so everyone who has invested with them and has been denied a redemption, please file SEC complaint, but still more likely that a chronically depressed Lemming will survive the annual ocean crossing than you will see a dime of your investment anytime soon. 

For example, I've had clients walk into homes with vibrant orange kitchens or neon green bathrooms and instantly feel overwhelmed.

I 2nd @Jonathan Greene's question: why Illinois? 

Hey @Trey Holloway, there are products out there that fit the 10% down model, but you will have to hunt for one.I don't agree with @Jaycee Greene that banks don't finance STRs.