I am in the process of purchasing 3 properties all right next two each other. 1 multifamily and 2 commercial office space of which we plan on using a significant portion of for our medical practice.

One of the awesome parts of the Jacksonville buy and hold market is the appreciation and the affordability.

Welcome to the BP group. 

This is particularly beneficial in popular tourist areas where demand for short-term lodging is high.Flexibility: Owners can choose when to rent their property, allowing them to use it personally during off-peak times.Support for Local Tourism: STRs provide a unique lodging option for tourists, helping to boost the local economy by attracting visitors who may prefer a home-like stay over traditional hotels.Diversification for Investors: STRs provide real estate investors with an additional income stream, especially if they own properties in tourist-heavy areas.Cons:Strict Regulations and Higher Fees: San Antonio recently updated its STR regulations.

I have some funds of my own, but not enough to cover the steep down payment. 

The free apps usually provide less functionality than the paid ones.Reviews: Be sure to read online reviews before making a decision.

Navigating the mortgage landscape can be complex, but I am dedicated to making the process as smooth as possible for you.Looking forward to connecting with agents and investors sharing some of the experiences we face in the industry on a regular basis!

I would take the gamble that rates will fall on their own over the next 3 years and live with the result. 

I did think to change the discussion category after the fact but alas it was too late.

The husband qualifed with his income alone, the wife did not make enough to qualify on her own.  1.