Hi Kristi,If you plan to hold the property for the next 5 years, opting for a 5 year prepayment penalty makes sense, as it will significantly lower the rate.

First, short term, I'd like to expand my portfolio of just one property into 2 by househacking by owner occupying a multi property.

These are often properties that aren’t even listed for sale.

All in all may represent 15-25% of your income depending on age and condition of property and your market.

I was advised to advertise it where 1031 exchange properties are listed in Florida, but I am not finding what I am looking for. 

My goal for right now is to gain some funds through wholesaling properties and then eventually obtaining a couple rentals in the next few years.

Should I consider refinancing one or both properties?

Any good property management company recommendations for Atlanta based? 

Originally, I was hoping to have the property owner hold the property while I take the agricultural property through the feasibility study and rezoning to have paper lots approved by the city I choose to annex the property into.    

Zillow will also offer climate history of a property alongside custom tailored insurance policies and carriers.