I'd love to try the mid term rental strategy with the property we find.

But it took a long time, and a lot of persistence.

There is a genuine housing shortage of all kinds on the coast, long term rentals included.

I am planning to keep the property long term.

There's a long thread here on BP about RTR.Do some searching!

@Robb AlmyHere is what struck me“In total, 224 investors who own short-term or long-term single-family, condo, or townhome rental properties completed the survey.

If you can manage it, you can keep buying a SFR every year with a low down payment product like this so long as you are willing and able to move into them for a year.

Can anyone point me towards a private money lender offering these terms ? 

RE investors have a tendency to overbuild capacity during boom times and we've had a long run so far.  

Hello in 2021 my partner and I bought an apartment in FL.The main purpose of the apartment was to invest our money to have it saved for our son to go to college.We have been renting this apartment to a family member who has been paying less than what we pay for mortgage and HOA,so we have been taking money out of pocket to cover expenses and so on.I decided that even thou the purpose of buying it was for college,I’ve had enough taking money out of my pocket to pay the HOA and expenses.My question is if I should sell this apartment or if it would be worthy in the long run to keep it and meanwhile just keep paying the HOA and expenses.Renting it to another person is not an option.