@Karl McGarveywe have the rental history for four condos in the complex we're considering, every one is rented jan-mar, some thru april.

Now are we talking Eastern, Central, or Pac time zones? 

But you could keep the hard money loan just long enough to 1) continue making a good amount at your free lance position, and 2) have a history of making the investment property profitable.When you have those two things, you can probably refi with a conventional lender with standard interest rates.I do private lending and many of my loans pay off early when borrowers can get conventional financing.

They have been poorly managed for years so there is no history and I am not even sure they submitted the income on taxes.

I personally wouldn’t qualify for a loan because I’m a 1099 employee and don’t have 2 years of consistent income history yet.

Happy to give my opinion on history and prospects in Huntsville. 

Lockheed Martin is on the eastern side of Ocala.

Keep in mind, 2008 was the worst recession in history.

With their eviction history and your poor experience, they will likely have a very hard time moving on a 30 day notice which in turn will likely result in the eviction process. 

Check his history.