@Kristi Johnson see if you can find a HELOC option or find the right deal that covers the higher rate of a refinance.

Subleasing gives the tenant flexibility, freedom, and options and gives the landlord a substantial increase in risk and liability with no financial reward.I enjoy providing property management and real estate information

Are there strategies or options you can recommend to someone like me, who is both just starting out and has limited funds (worst combo ever?)?   

Compounding interest is a very powerful force. 

Also, setting up proper banking and other procedures is important if you choose an LLC option (avoiding things that will help an appossing attorney break through the LLC)

I think if you have the ability and time, it's a great option as you are starting out.

With about $680k owed across them all, I have almost $1.2 million of that owed as equity, leaving me about $800k in available equity (assuming 80% LTV option). 

I know, like, and trust in the long term powers of large scale real estate providing quality returns that out perform the market.

Here are a few options I am considering:1.

All of my options are around the same dimensions so I've been looking at gallon amount as a more accurate gauge of how many people would fit.Largo LS 5 person tub:- $3,358.0: 200 gallons- H 29.5 in, W 61 in, D 71 in- Includes: Control Panel, Cover, Ozone water purification filter unit, LED Display, Power Cord, Pump, SensorsMalta 4 person- $3,589.00: 240 gallons- H 30 x W 57 x D 81- Includes: Cover, Filter Unit, [Ozone water sanitation system], Power Cord, Pump Ohana Spas dual facing lounger- $3,705.99: 200 gallons- H 29.5 x W 71 x D 61- Includes: Cover, Filter, Ozonator, Light LS100DX- $2999.00: 205 gallons- H 32 x W 62 x D 71- Includes: thermal locking cover, ozonator, multi-color underwater LED light, waterfall feature, two cup sliders, filter