I live in Fl. where insurance is pretty costly but I am also investing in states where insurance seems less expensive.

When you live in that duplex for 2 years and then sell you'll be able to take 50% of the profit tax free (the allocation for the side you lived in). 

It has ample basement living space, that the tenant uses as a third bedroom.

We were there looking for another property that we could buy together on the beach that we could rent out as a short-term vacation rental.We we're living it up and having a fantastic time zip lining, eating delicious food, and seeing the monkeys in the wild.it seems like from the moment I returned from that trip in August 2022 the real estate market completely changed.

In my area these are rare so they are difficult to set market rent, and I imagine get a lot of wear and tear with a lot of occupants living there. 

I would also look at the availability of public water and public sewer, if not at the site how far away are those services.

Quote from @Ericka Parrott: Hi Dylan, I live here in Atlanta.

I considered this, as well as buying from a turnkey company in Memphis but wound up buying in Indianapolis since I was familiar with Indy (lived there for a while then moved back to CA). 

Hopefully you already worked this out.Aside from HML, there's also an option to do a live-in-flip, where you live in the house for a year and renovate it slowly.

Go to AirBNB app and research which areas have the most listings, that usually means that its a HOT area and if you run it right you can succeed.