.- Scrap bar stools and get a larger dining table + chairs to sit 6Bedroom 1- Too many lights.

With the cost of utilities and the level of comfort people feel is mandatory now there is no way I would want to be on the hook for it. 

If you just flat aren't comfortable with debt, then that's one thing, but I don't get the impression that's necessarily the case.

This i comfortable with. 

Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify.

Get out of your comfort zone.

Also make sure you are comfortable with some holding costs if the units don't get rented right away (if vacant).Also look into if there is rent control in the area that the property is located.

It’s ideal for investors with some experience in real estate who are comfortable managing renovations and dealing with tenants.If you're a beginner, you might want to start with a simpler buy-and-hold strategy or partner with experienced investors who can guide you through the BRRRR process.

- Do you want an ocean view, or is proximity to the water or to resort amenities like fine dining or shops most important?

Buying quality assets that are in a desirable location and in good condition with a modest amount of leverage is IMO the only approach that I feel comfortable recommending.