**Private Money Lenders**: If traditional lending sources aren’t providing favorable terms, private money lenders can be a viable alternative.

If you look at real estate as one of many vehicles to earn income, you simply have to acknowledge that it isn’t always going to be the most favored vehicle at all times.  

We always ask as a favor and sometimes don't ask at all. 

This increase puts downward pressure on both rental rates and property values.Rising insurance costs: Skyrocketing insurance premiums are further squeezing cash flow and increasing operational costs for property owners.Short-term outlook: With the current market conditions, Florida real estate is unlikely to yield strong returns over the next 1-2 years, making it less favorable for immediate investment.

By the time the PPP ends, you may have more favorable terms than taking a huge cost now. 

Why not make an interest return on this property right away, which I already am familiar with and favor, without having to find another property to re-invest the sale proceeds? 

If it's a long time owner I think that works in your favor for negotiating.

With the expectation of entering a rate-cutting cycle, there’s potential for more favorable refinancing options as rates decrease.- Valuation Improvement: Allowing time for property valuations to improve as interest rates drop.Budget ConsiderationsIt's crucial to budget adequately to navigate projects to a safe point, typically requiring an 18-24 month budget.

This is doing you no favors, and an absolute wrong way to approach it.Get an idea of what you're seeking, then research those cities yourself. 

This could be especially useful if you have high-cost debts to clear or other investment opportunities to fund.Cash-out Refinance:If current rates are favorable, or at least not excessively higher than your existing rate, and the cost of refinancing is justified by the equity taken out, this could be a smart play.