The relief acts that paused foreclosures made it so that any and all non payments can and will be turned into a "bullet payment" that is due at the end of your mortgage term or when you sell the property. 

If you're looking for appreciation AND cash flow, Miami is definitely not where I would encourage you to look, as a Miami resident...unless, of course, you're willing to buy in a horrible location where bullets fly every night of course, in which case feel free to go for it. 

If you are thinking as an investor and want to grow your portfolio, then all your energy should be concentrated on putting a deal together and not necessarily managing it.

If you are buying rentals;  you might read my paper a file I linked off my BP profile 1st paragraph;  how to buy a bullet proof rental portfolio.I also suggest you join the local REIAs, where experienced folks hang. 

My wife is from here, but I am a recent pandemic transplant who brings a lot of energy to an already energetic place!

I am trying to build diversification in my financial plan and want to keep my tax advantaged monies in the market as opposed to leveraging into real estate but do not want to use up decision energy that can be used to find my next real estate deal. 

So I guess that really boils down to me not having great staff, if I did i would have the time and energy to close more deals. 

Sending great energy your way!

Edit... sorry about the formatting bullets - I cant get them to leave :( 

I am finishing up my second semester of college and am now on summer break, so I have nothing but time and energy.