I’ve been floating the mortgage/hoa payments with the reserves stashed away from the previous tenants.

Finding STR viable properties and incorporating MTR strategy in slow months is what works best.Crystal Beach is an option as well as Palm Harbor - however a word of caution a lot of Palm Harbor is HOA and I would avoid that as well. 

Typically speaking a 2 bedroom will bring in more if all other metrics are the same (i.e. location and amenities).In saturated and competitive markets I really do not like 1 bedroom or even 2 bedrooms as the barrier to entry is low and you will always have a lot of competition, and you are even competing with hotels at that point.Also building HOA's are scary, and Florida implemented the milestone inspection which means special assessments in most cases.Without diving deeper on all the numbers I cannot it will not make sense, but in my experience it will not make sense more times than not and it is risky.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I'm looking at a condo for 325K with a gross income of 45K (airdna says 65K, locals say 45K)we would use it when my husband travels for work, and try to let renters have priority, we would finance and HOA is 350It is an 1 1/2 hrs from homebase. 

You are also able to add back your deductions for mortgage interest, hazard insurance, HOA dues and property taxes.

HOA (name)6. gated property (yes/no)7. unrestricted (yes/no)etcI've directly messaged you my hourly rate, but from what you've posted in this thread, adapting the tool will take a couple of hours.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Other forgotten expenses are vacancy, repairs, and HOA special assessments.