Refinancing will be less than ideal because it costs several thousand dollars and rates will likely be higher then.

From there, I intend to pursue a buy and hold strategy, ideally focusing on small multi-family units.

Podcasts I have on cycle:BiggerPockets (Real Estate)Best Real Estate Investment Advice Ever w/Joe Fairless (Real Estate)BiggerPockets Money (Personal Finance)ChooseFI (Personal Finance)Mad Fientist (Personal Finance)The Side Hustle Show (Entrepreneurship)Fat-Burning Man (Health) Impact Theory by Tom Bilyeu (Personal Development)

Ideally ones that specialize in multi families of 20+ units.Hoping to find a few and compare quotes.

All of which are going to give you a huge and varying experiences.I saw that real estate development was something you mentioned as well.

When I helped develop an internal software system for a financial institution we tested all of our loan calculations against TValue and a good ole HP12C.

Ideally, we would like to purchase/hold all property in our business name - LTD Unlimited Holdings, LLC.

A House Hack would be ideal to begin with but I’m looking to end up with good cash flow so I would hope to have several Multi-Families.

I would have been more successful on the deal if I used more patience and developed a skeleton team before I closed on the property.

I know its the vacation capital of the world, but when I was there late last year, the marketing of developers to STR owners was frightening.