Most people do not have other cash access so they take out equivalent debt. 

.: Can you please grant me access to this STR spreadsheet?

I dont know how the market operates where you are, but in all 4 states I do business in, the seller controls who gets access to the property and who doesnt.  

The Village had a very productive conversation yesterday and it sounds like they are not interested in putting in too many restrictions but it's going to be open for public comment next month.

Look into Tampa proper (Tampa city limits) ...no restrictions on STR there.

Many gulf sub-markets have restrictions that don’t work for me so I’m trying to find sub-markets along the gulf that do!

First, check out JT restrictions on STRs.

From networking to access to deals, it has been a great overall experience. 

Should the title company be accessable in person to you or the buyer/seller, or does it not matter and the title company can do everything virtually to all 3 of you?

Then you tell me if you barely escaped, or missed out.Recovery of Cost (Cash in) and start of Profit:A - Cash in = $40kB - Cash Flow/year (recovery):  $1,032/yrC - # of years until you recover Cash/Cost =  31 years (30 years of mortgage + 1 year without mortgage)It doesn't matter what the property value is, or where it goes up to, unless you plan on selling the property to get access to it.