The other decision I made early on is to focus on long-term rentals for wealth building. 

Depending on qualifying income you can go up to 90% LTV or most attractive terms will be 80% of the value or below. 

Property manager recommends Porcelain Tile (states more durable in long term) over luxury vinyl tile/plank.  

If at the end of the term, you want to refund them the $45 that's up to you.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a swift and beneficial transaction.

Buy term and invest the difference. 

I would like to refinance a condo in Destin, FL being used as a short term rental.

Once that term is up you have to renew at the current rate.

Got into REI almost by accident and did what you said - shopped for the best terms to make each property perform the best.I did at one point try to consolidate, but any institution I found that didn’t sell mortgages had the worst terms: higher rates and typically ARMs, which I’m grateful for not taking because my rates would be crushing me now.I’ll look into other versions of some of the things you mention like cross colatteral and construction loan but not sure how that would work considering I don’t actually have any construction needs.