Ideally short or long term rentals.

My concerns is how should I handle and dealth with the temants when they become very demanding in terms of fix/repair things. 

It really is a different animal than either long term or short term rentals so it's best to seek advice from others with experience in this niche.

I’m about 4 years from retirement and regretting not venturing into this world sooner.I’m currently going back and forth on whether to focus on short term rentals in Florida (Destin, PCB) or long-term single family homes in the Birmingham, Al area.

There was so much appreciation during the pandemic that it will take years to settle back in line with long term trends.

. - Saying "Loan to Value" is a good term. 

I am interested in owning long term rentals.

After speaking to a financial advisor at Sparkasse, it appears that you are locked into the terms of the mortgage and cannot sell without penalty.

Downstairs tenant just moved in and is signed on a one year lease and has extended family in 3 or 4 of the surrounding houses so I believe they would also be a longer term tenant.

So a CRE crash will indirectly hit the economy hard, I still believe SFR is a quality, long-term scarcity hard asset worth investing in.