Hi Caleb Rehg,If you have employees you will have to pay quarterly PAYROLL taxes, but these can be taken care of by a payroll servicer such as Gusto or ADP.Otherwise, if you expect to have a substantial net income from the rental property at the end of the year, you may opt to make quarterly estimated tax payments so that you that you don't get surprised by a tax amount owed with your tax return.

During Covid I deferred mortgage payments, so I owe a $30K balloon payment upon sale or refinance. 

Rates are still historically low, and I’ve seen with clients refinancing they may have a higher loan (from pulling cash out) but their over all monthly payment is comparable to what they are used to because of the lower rate.

I believe you can do a conventional cash out refi with your ownership interest functioning as the down payment.

Purchased replacement property for $1M using the full $480K cash to cover down payment and closing costs.

They don't have any money for the down payment and want to find a property for "$0 down, creatively financed" but at the same time they'll pay $10k for a lying guru to blow smoke up their ***. 

You can potentially get a payment plan but that would only be on owner occupied asset.

While an FHA loan with its low down payment might seem attractive, it's not the best fit for a rental property in Jacksonville.

Multi family you can get as low as 50k/unit for something decent. 50-125k/unit is the general range for prices to still have positive cash flow from day 1 with your typical 20-25% down payment. 1-1.5% rent/price ratio in most cases. 

For example, can you shut off the payments if you are moving towards eviction?