I am a straightforward dude but walk on egg shells with appraisers.

Ryan Pineda posted a good quote last night that resonated with me - "Can't complain about having a lot on your plate if you said your goal was to eat." 

You have energy, age and ambition on your side, and some nest egg to get you going, however, three rentals is a bit on the skinny side, unless they REALLY cash flow.First thing you need to do is to supply yourself with enough to pay the daily bills.

In 12 months, you'll have an extra 15k to go with your current 15k for a 30k nest egg.

The AirBnB should eat up more time than a long term rental.

At any point in time you could divert some of that reduced home payment to savings and build a nest egg, savings account, or just have as a backup stream of income.  

With winter around the corner my tenant is concerned about business during the cooler months when customers don't want to eat outdoors.

The Sarasota REIA meets via Zoom right now - we have a meet up tonight at 6pm - busy group - we usually meet up for lunch at a local restaurant and eat together and then share 'Gets and Gots' - tonight they have organised a presentation by a very successful local Real Estate Investor and then we socialise afterwards - I'd be happy to give you the particulars if you want to PM me.Delighted to have you with us.

I currently work in Egg Harbor Township but live an hour away.

This will definitely eat into your monthly cash flow.