She wouldn't put her on speaker phone and wouldn't let me speak to her on the phone directly. 

I have researched the different kinds of loans for this but I would love to speak with any lenders or other investors in this area.

Current rents and building quality needs work, total rent income is around 5k/month, parcel is quite big 14k sqft.

@Joy McQuearyRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

I’m waiting to connect with the realtor to get more information about the sellers background / potentially speak direct to build a bit of a relationship. 

When doing recon at the property before accepting it, we speak to tenants who complain heavily about the property manager.

Hello Michael,I own a company that specialized in building ADU's in Los Angeles and while I can't speak to the demand in your particular zip code what I do know is that each ADU we've built has created an ROI for our homeowners.

Then you are 'in the game' so to speak.

Currently speaking with a local realtor about the STR zoning issues, insurance issues, and current/future market in Florida. 2025 should be a good time to look for a property there. 1.

Very solid advice, Action speaks louder than words!