I have a $20,000 debt to the IRS, which I am paying off at $381 per month due to high taxes declared two years in a row to qualify for a mortgage.My goal is to build a portfolio of properties that pay for themselves.

You forgot about property taxes.  

Some cities in Florida have seen exponential growth within the past five years, and now we are seeing others take off as well.

When rates came down we also did a couple of cash out refis on appreciated properties where we also took the proceeds and paid down other notes - again increasing cash flow by paying off higher interest rate properties with lower interest rate refis.

We use it on properties bought off market, but it can be used with turnkey or MLS properties as well.

We move based off where we think things are going, not where they've gone.

@Terra PadgettPaid annually… You have a lot better options I feel than 10% loan taxed at ordinary income and only paid once a year.

There are VERY LOW MARGIN in new construction...it's a volume game, not a one-off game.For reference, we did a framed single family with a front brick veneer in Bucktown in 2020 sold in 2021 for $179/SF....we probably should have been closer to $165/SF but had some lessons learned.  

I would contact the HOA immediately, in writing.

Carlos, this is all off top of the head.