I am thinking of converting it to a regular apartment so rents can be raised easier and increase the sale price in 2-3 years. 

So, CPA determines that actual taxable income for the year could be as low as $85,000. 

If you got some special stuff your able and willing  to ship to FL please DM me.The special stuff goes to my regular customers at fair prices as you've noticed with the places you've tried.

If it is rated for a 3 bed, but it's not getting super regular use because of vacancy, then I don't know if I would be too worried about it.

Then they suddenly told me my taxable brokerage account doesn't count as reserves but they won't let me sell and move assets to a checking account because they won't be seasoned for 60 days.  

Inspect your property regularly and hold tenants accountable before the problems get out of hand. 

And the recordings are updated on a regular basis. 

Hey Todd,Is this the insurance you plan to take for the whole house or this will be additional to your regular insurance? 

Contractors do , BUT we are spending large sums with them on a regular basis .

Tenants use to threaten to sue me or complain to authorities regularly.