Definitely some cause for long term concern, but this also can give opportunity to other investors that are willing to invest out of state or more people moving to other states like AZ and TX with long term appreciation in these markets.How is the appreciation in Phoenix?

These low interest rates make financing property purchases more affordable and appealing, enabling investors to secure favorable mortgage terms.2.

Option A would allow me to keep it as a long term rental .

People reinstate the loans and do loan modifications all the time.

I would send them notice today that explains what will happen after the current one-year term ends.

I have contacts for long and short term managers in the Tampa/ St Pete/ Lakeland area. 

If you plan on holding, it's then a much easier task to roll it into a DSCR loan.

Do you have a significant other who could take out the loan?

For investors looking to maximize returns while managing risk, here’s why this type of deal stands out compared to Treasuries.Treasuries: Safety with Limited UpsideTreasuries are an attractive option for those seeking safety, especially short-term bonds with maturities of one year or less.

A recession will knock out a lot of overleveraged operators, and with more people piling into short-term rentals, rates are already getting squeezed in a lot of markets.