After reading books and listening to BP podcasts, the most ideal investment strategy would've been house hacking via duplex/multifamily home, but seems like multifamily homes in Miami area are expensive, low supply and very competitive to find.

https://finance.yahoo.com/news...Raleigh is the 3rd most competitive housing marking in the US!

@Jordan Malara, I don't know the Colorado Springs market, but near me A/C is definitely a competitive advantage.As far as the WH goes, I'd replace that sooner rather than later.

A small retailer has such overhead and with internet competition makes it difficult to be rewarded for the time involved and financial committment.

Flipping in a tight market, where there is so much competition for value adds, is not easy. 

I don't know where all these people are coming from there is competition for apartments and there is building everywhere. 

Any recommendation for a lender(license in DC) who can give a competitive rate under 3.5 for REFI  to change the rate for an investment property?

100 percent you need to go off market, especially in a competitive market like where you live

The problem with this is it adds significant cost and I suspect my competition wouldn’t take the extra cost.2.

The housing market is somewhat competitive, with a $200,000 median listing price.