We have had a couple of freezes over the past 10 years or so that wrecked some havick that we normally don't count on. 

Bedroom count is king, as a multigenerational single family home in the right HOA resort will be highly profitable.

Do a word count on a typical Listing or Purchase Contract!

And also as mentioned, if you make claims now, even Zero Paid Claims (they say there is no damage and/or they don't pay you anything) it still counts against you now!

But if you have commercial type loans, you may not have much of a choice and HELOCs do not count when you are under audit.

Since I am targeting on 4 units multifamily with FHA loan, I assume ~75% rental income from addition units can count in.

Keeping your current place as a rental is also a great move, though lending guidelines have changed recently to make it a little harder to count that rental income when qualifying for the new place.

Keep the dream alive mateI love the saying "Make a passion an obsession and you will never work a day in your life".I worked as a laborer on commercial sites.Saved $50,000 in 4 years and bought my first property in 2011.13 years later and I stopped counting a 1,000 deals.Made a fortune and lost a fortune but that's the game.As long as you make more than you loose.Had a very successful business fella tell me one day "You can't go broke making a profit, even if it's just $1"Wishing you much success

Depending on your needs, we can share our perspective on success rates in various Disney area communities taking amenities, bedroom count, proximity to Disney, theming and all those factors into account..and we can refer you to a realtor who is a good match for you.

Have some fun with it and count your blessings.Good luck, keep investing and moving forward.