Considering that, may be wise to hold with what you've got until you resolve those issues and see what money you will have available to commit long term without risking a cash crisis if you use your available funds and then find out you have a $50k problem on your hand with the mid-term rental.   

Also, in the right areas in Tampa it seems that a STR could be great, and my fiancé does have enough free time to cover the extra time-commitment a STR would require, that part wouldn’t bother us. 

I am looking to acquire my first rental property in 1 year and make real estate investing my full time commitment in 15 years or less.

We understand that every property has unique needs, and we're committed to providing you with the customized management plan you deserve.

Second, the renovation/construction budget is usually structured on a draw schedule, where the funds are held in escrow and released as work is committed.

so I read even office syndication that has 95% occupation and met their projection (they are good operator because they use fixed rate) can't sell their asset because buyer is available but bank doesn't give commitment.

You have a high-earning job for a 19-year old so keep banking the money and don't commit to a property out-of-state until you know where you are going.

Prove your commitment over time.

I'm committed to making strategic renovations to improve the home's structural integrity, safety features, and overall condition.

As for the median American in my age group, yes I'm way beyond that and I attribute that success to the following:- Willing to delay gratification on a regular basis- Willing to do jobs no one else wants to do- Willing to work long hours for results (a strong work ethic)- Willing to take calculated but high upside/low downside risks- Willing to allow the "fruits of my labor" to be returned to the business instead of paying for a lavish lifestyle- A strong commitment to these principles by my spouse- A strong run of being healthy enough to work to produce excess profits- The fortuitous grace of being born and growing up in the United States, where opportunities for financial success are everywhere and accessible to anyone- A splash of luck at being in the "right place at the right time"