Not a seasoned pro here, but it sounds like your agent is flat out not doing her job.

It is 20x40 = 800sqft area on a flat land. 

The wrecked house is apparently from the '40s so everything you've mentioned could be present in spades as well as other contaminants.If there's access to the property, recent sales as well as a zillow estimate is pointing at about 60k for the entire thing, but that's assuming just flat land. 

I'm in Apopka and don't mind the drive to either of those spots, but if Apopka is the most convenient for all we could do Tijuana Flats or Panera in Apopka Saturday or Sunday. 

I looked at the appreciation of the houses and most in the Warner Robins area stay flat.

If you're looking for 90-100sqm with elevator on the neighbourhoods mentioned, I think that kind of flat could maintain a rent of 500 euro on the long term.

Sure a lot of students don’t bake, but some will.

The lender bakes in the risk of so many loans defaulting and they lose all money lent or partial of it.If buyer is looking for slightly higher interest than first position then they do not know the debt markets and that is dreaming.

But what if prices are only  up 5% and inventory is flat?

My neighbors are a 12+ Unit condo building, 2 flat, 4 flat and an large apartment complex across the street.