If you are able to find someone willing to lend you money long-term with a fair interest rate, that might be doable.

Have you tested the market yet with this set up? 

Not easy to find a strong STR investment that cash flows down in our market with the low inventory and the number of competitive offers - Bravo!

My current primary ( scenario 1) Keep the primary for the life of the loan ( current rate is 4.5 so i dont see my self refinancing anytime soon)current home value 1,150,000Loan amount 935,000appreciation estimate 5% per year after a 28 year hold and the house is paid off I would have a house worth 4,312,000$my current mortgage is 6125$ ( piti) included My second option( scenario 2) Sell the house, walk away with $150 ,000 ish in hand and put that into a low cost index fund Rent a house elsewhere for about 3000$ ish and take the extra 3000$ im saving everymonths from not having to pay my mortgage and puting that money in the index fund as well I ran the numbers on both of these scenarios and doing what I mentioned above would break even at about 28 years meaning my stock account would be worth 4.3 million just like my house would , but the only is that holding a house for 28 year would mean 28 years of property taxes, loan interest ,home insurance and repairs etc whick I calculated to be about 1,200,000$ at minimum which raised my eyebrows to say the least Also i understand that each of these options ( stock market vs real estate ) will have there tax consequences ( long term capital gains) so any thoughts on that would be appreciated as well.  

Its such an untapped market.  

Which direction is the small multifamily market heading in?

Typical market markup on work orders is 5%.

If you wait for a perfect time, you'll never get into the market. 

How does this stack up with your Florida markets? 

Hello, I am fairly new to real estate investing and i want to believe im in a prime situation to start.