The bulk of long-term returns (often, ideally) come from capital appreciation - not necessarily the rent roll.

Prepayment penalties- usually 1-5 year terms.

Or long term property management? 

Hey @Michelle Brigid- you're not alone in terms of your property not selling.

Hi - sharing an article published here on BiggerPockets last year on this exact topic - all the financing options for Short Term Rentals!

The collaboration between Partner Driven and Graham was key in identifying this lucrative opportunity and closing the deal on favorable terms.

Also, love to work out as much as I can in things like running, bicycle, jumping rope, and lifting weights-no ripped or jacked by any means-but thinking in the long term benefit (like in real estate).

. - in this case, I will have more time to shop around for better loan terms/rates etc. 

Their 1 year lease end Oct 31st, even if they are able to keep paying rent, albiet late, should I plan to let them know I wont be renewing their lease at the end of the term?

The riskiest strategies that have the highest projected income are flipping and short-term rentals, behind that, BRRRRing, and behind that is turn-key cash flowing long term rentals.