Miami has become one of the most expensive cities to live in, yet we need housing options for the workers that keep the city moving.

I often see these forums flooded with people asking questions that they really don't need to ask, as their questions are very much personalized to their specific situation.I will try my best to keep this as short and concise as possible for simplicity and not waste you all's time. 

My goal is to keep this property long term, refinance in maybe 3 years when interest rates have hopefully come down and my property has also increased in value.Thank you for your help!

I've heard multiple podcasts where this has been mentioned as an effective beginner strategy, and midterm keeps coming up as chronically underserved.

also determine what niche.. keep in mind 85% of agents all do the same thing basically  sell sfr s   there are many niche's in RE..

I would do a cash-out refi on some of the properties that you want to keep first. 

The problem with me is the financial scenario hopefully won’t change and I’ll keep doing what I’m doing.  

Good luck and keep us posted. 

Someone with a true interest in being the provider of such a service would need to do it in order to keep it going. 

Go DSCR and up the LTV to 80% if it will debt service if not keep it at 75%.Second option is get a portfolio loan you are buying more then 3 properties.DM with any questions if you want to understand blanket portfolio loans.