Currently, we own one vacation rental in Duluth and one college rental. 

I believe they're almost 8% with that program currently but if it provides an entry point, you should consider it!  

The exemption allowed results in a “taxable value” of either 75% of the “ATI fair market value” or the final Current Fair Market Value for the tax year of sale, whichever is higher.

Aim for a path that benefits the current tenants if it's worth it.

All are perfectly functional now, but could pull higher rent with replacing the flooring, and updating the kitchen.My current financing setup for this deal would be $235,000 from the HELOC I already have secured.

Quote from @Kelvin Lee: After American Family dropped my multi-family coverage, I’m still struggling to find a carrier for my 1969-built apartment, with only three weeks left before the current policies expires.

For investors, the current market presents a mixed bag: while short-term rental income may be lower, Miami remains a strong market for long-term growth as affordability attracts more tenants.What’s your take on Miami’s rental market?

Currently started renting it for 2300$ per month , need your suggestion things I can do to fix my below situation. 

Lenders will want a letter from your employer that states you are allowed to work remote from where you currently live and that this move will not affect your income. 

If it's turn key and rented you would analyze current rents vs expenses.