Being a private money lender who lends out my own money, the typical response I receive from potential borrowers is that it is hard money.

If the Florida property could cash flow or at least pay the mortgage taxes and insurance, utilities ect then they would just have a payment for their house by me.  

Let's say im wrong by 5% (which my model is typically within 2.5% accuracy), $199k exit.

The 8% you mentioned is a typical fee for LTR PM.

Furnished Finder typically is where I see the lowest MTR rents.

If you do not have other passive activity other than your passive real estate activity, creating a loss with a cost segregation will only create a passive loss that you, likely, will not be able utilize in the year of the cost segregation and will carry forward.If your real estate activity is ordinary because, for example, you qualify as a real estate professional, the loss created by the cost segregation can offset other ordinary income, creating an immediate tax benefit.This is definitely something you want to discuss with your CPA.  

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

High cash flow is typically key, which is more my approach now.

Investors typically grade areas based on a lettering system A-C/D.

We typically fill leases for our SF in a week or two, even in the winter.