(providing I meet all the criteria).

Current Loan Balance: 100,952Interest rate: 3.75Mortgage payment + insurance/taxes: $1066Rent: $1500/monthEstimated current value: 227k Current cashflow: $369/ month, I also have a first american home warranty on it $68/month so after everything I net about $300/ month. 

We have a interest rate around 3% on the SFH, purchased in 2021, so doing any refinancing with that doesn't seem to make sense.

According to HUD Fair Market Rental Rates for 2024, the market rent for each unit in the 34608 zip code is $1,700 per month.While the units are in good condition, consider updating the kitchen, bathrooms, and fixtures and adding a fresh coat of paint for a fix-and-flip strategy.

Most new investors who talk about building do it because none of the existing inventory out there meets their financing.

It'll tell you a $500k conventional mortgage was recorded in July 2021, you can infer from the ownership record that it was a refi (same owner before/after), and you can ballpark that rates were around 3%, assume it's a 30YF, so the balance "should" be X, but you have no way to know if they made a large lump sum payment, pay extra each month, etc. 

What loan type (DSCR or conv) should I be looking at and what rates?.

However, that requires us to dig down the basement floor to meet the ceiling height requirement (it's got the egresses and 2 exits already), and I think that can easily cost us $100-120k.

"for rent by owner", investors)-search for non-homestead properties in your county and send postcards to those owners that own homes that meet the criteria you want to focus on-network with real estate attorneys -network with trustees in banks that offer trustee services-look up court records of landlords who have filed their own evictions and send them postcards -network with HOAs that have non-homestead properties in that association -when you see a "for rent by owner" sign in your area, send the owner a letter -join Facebook groups (for rent by owner, landlords) and being to contribute -improve your SEO on your website-find someone who can help you gather landlord info from Zillow, etc. to name a few :) 

To avoid going through the same poor experience, keep reading.Even if someone gives you a referral here, do NOT make the mistake of assuming that the PMC will meet your expectations, just because they met the expectations of the referral source.In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!