Based on your post, you have internal struggles that no one on this forum can help with.HOWEVER, based on your post, consider spending a little money to break up the house into either a 4/2 + 1/1 OR  BETTER YET, a 3/2 + 2/1.

We're based in Tampa and do a lot in that area.

This step is about generating income from your investment.Refinance: Once the new properties are stabilized (occupied by tenants and generating income), look into refinancing them based on their new, improved value.

I too am a mortgage agent based out of Hamilton Ontario, feel free to connect to chat anytime.

His annual compliance report is clean he says.Owner had his Coam taken away and is the single owner running the show, an hour away from his home base. 

But it's based on my experience, not just some random bias. 

They wouldn't have done an appraisal, it would have been just negotiated based upon where the buyer thought they could make money.

If money is an issue for getting more properties, then find partners, or the seller finance thing, or start a pool for the down payment and go thru asset based lenders (that's my next play)...Having said that, as of Dec 1, I'll be managing my own STR since I'm firing my property manager.

I'm open to a plethora of positions so long as it is remote or not office based.

Along with this, would the return metrics like ROI and IRR be based solely on the overall equity invested in the project, or would it be based on the minimum investment or each exact amount invested?