Or perhaps the seller can provide you some financing.My guess is that any US-based lender would be making more of a personal loan than anything because it would likely be hard for them to put a lien against a property outside the States.Perhaps there are private lenders in that country that would be willing to lend to you as they would be more familiar with securing loans against properties there.

@Ismael Ayala Jr.Why not just go to the county website where they provide the tax info ?

Aim for expansion by establishing clear objectives for growing your holdings, like obtaining more house hack properties or branching out into other real estate categories.

This is possible on a 9.999 percent note because (1) I’m earning 9.999% on the $615,000 underlying note but paying out only 4% and (2) by providing seller financing I was able to obtain a $75,000 higher sale price. 

However, if some carrier is providing this type of coverage, then they better have very strict limitations on the coverage so claims don't get out of hand, or they probably won't be in business very long.

You can also obtain a DSCR second mortgage if you have trouble qualifying for a HELOC. 

They would need cash to buy/rent seasonally in Florida, so is there a scenario where they sell the house to me, obtaining the cash they need to buy in Florida, and then rent one of the units back from me in the summers?

About the refinancing topic, it will most likely be hard as normal banks in Spain are currently not providing these loans to individuals.

They typically have access to hundreds of companies' rates and loan programs and can provide some programs you may have never even knew existed.I'd love to connect and talk sometime!

The "2 of the last 5 year rule" in U.S. real estate allows homeowners to exclude up to $250,000 ($500,000 for married couples filing jointly) of capital gains from their income when selling their primary residence, provided they meet two criteria: they must have owned the home for at least two years and lived in it as their primary residence for at least two years within the five-year period ending on the sale date.