This would allow you to have a considerably lower monthly payment which should allow you to cashflow more, but you would need to be aggressive about saving all the cash flow so that you could refi.

My question is although the cash flow for most of these properties will be great (annual gross >65k) is it still worth the ROI because of the rising cost of these cabins?

Pasco's prices are considerably less than Tampa or St Pete and it's a very easy area to invest in for a few reasons:- Majority of buildings are 1970s or newer and block (don't buy frame in Florida if you like appreciation)- Very easy to comp for both rents and sale price to make sure you're getting a good deal.

I plan to continue acquiring properties.I'm unclear about how lenders take rental properties into consideration when calculating Debt / Income ratios.

I super appreciate the advice--will definitely take it into serious consideration, especially given how much success you've had and how respected you are within this community!

I am in a pretty similar boat but have done a considerable amount of research in regards to trying to house hack in OC.

@Zack WilliamsThere are several considerations that can go into the analysis of whether you need an LLC or whether a large insurance policy will suffice.

If you haven't already, I'd HIGHLY recommend buying the book Long-Distance Real Estate Investing by David Green.In regards to your comment about house hacking, it is a NO BRAINER financially to house hack, if you fully take into consideration the pro/cons.

Was that something that went into consideration on your multi families?

One consideration I'm aware of is what class the neighborhood is.