Due to the creativity of the deal conventional funding is not an option.

Even though your market might prove expensive, I would exhaust all options before ruling it out.Truth is, you have a unique competitive advantage in your market.  

Happy to connect and talk about options.

They may have been introduced to wholesaling as a low-barrier entry into real estate and never considered licensing as a viable option.Why Getting Licensed Could Be Beneficial:Access to MLS: Licensed agents can access MLS listings, making it easier to find deals and run comps.Credibility: Being licensed can increase trust and credibility with sellers and buyers.Expanded Opportunities: As you mentioned, having a license opens up the option to list properties traditionally when wholesaling isn’t the best fit.Legal Clarity: Licensing helps clarify what you can and can’t do, reducing the risk of running into legal issues that plague unlicensed wholesalers.It’s a balancing act, but for many serious operators, getting licensed seems like a logical step to expand opportunities and ensure compliance.

@Tim Holt, Yes INDEED house hacking is the best option for most 1st time buyers.  

Real estate success is driven by demand, it sounds like you will have more tenant options and higher prices in Ft.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

You can use FHA and low-down payment options with duplexes, which inflates prices.

Taking out more debt does not sound like the best option IMO.

Whether you're looking for short-term rentals, long-term rentals, or fix-and-flips, Florida has something to offer.Favorable Tax Environment: Florida boasts no state income tax, making it an attractive option for investors looking to maximize their returns.Year-Round Appeal: Unlike seasonal markets, Florida offers consistent rental demand year-round.