Back o the original question assuming the 1st loan will allow a 2nd smaller local banks will be your best bet or a true Private Lender.

No one knows what the future will bring, so I would not make an all-or-nothing bet on refinancing in the next year or two. 

Hey Monico, I would say SFR's are going to be your best bet when it comes to finding the best tenants.

You could do a DSCR loan as well but I would bet that rate will be high also at the moment.

I am skeptical that these properties are ones that I would want to buy and bet that there are a whole host of reasons why they are 1% rule properties. 

Most investing strategy in the Bay is just appreciation.If you're interested in appreciation and cash flow, the Central Valley will be a great bet.

You are right - given the 30 day stay requirement in Sarasota County, long-term rentals might be your best bet.

You're best bet is to talk to management and see if there is an exception that can be made based on your plan.

A place like Camrose and Wetaskiwin would be a little safer than Vegreville.

Personally the most effective bet is too call other local PM companies yourself because only you can truly express your concerns and maybe get better pricing.It should only take 15 mins per call.