Been looking in Ohio, Florida, and Philly.A SFH to keep as a long term rental? 

I’m under contract to buy a short term rental at the beach, but just found out the seller cancelled all of the reservations before closing.

Cash out refinance: Hoping to get 70% LTV from current strip mall commercial property. 1 unit owner occupied. 30 year term.

I would say others are paying even more too much but some of the units I have made offers on have not sold so it is also owners having not come to terms with the impact of the current rates.  

Despite the size difference, they each required about the same amount of time and effort on our part.

You don;t come to success with your terms and bend it into working for you.It is the exact other way around.

Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV)100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.

Long term I do see this property being a great asset so we don't want to sell necessarily.

I'm trying to determine if I should focus my efforts more on the MLS or off market.

Annapolis is a nice area. have you thought about Short Term Rental?