We are somewhat handy and would not mind fixing up the house while living in it. 3.

I lived there from 2017 to 2022 and personally witnessed significant changes during that time.

i do not however use it for heat mine is an AC only unit I believe not a heat pump unit.If you're whole unit is relying on one mini split for ac and heat that surprises me just given if you shut a bedroom door you'd not have heat from the split that I assume is in the living room. 

I called and emailed Nomad daily and could not reach a live person, even in an emergency.

Not sure if this will go against the culture here but if I read correctly and you are considering tying up your primary residence to an investment property please reconsider leveraging the home your family lives in. 

If I get the situation correctly, youre wanting to exit retirement and pull cash out of your home to use to flip a property in FL to generate income to live off of.

Living trust does nothing for anonymity.

You will need to provide an explanation of the circumstances surrounding the BK every time you apply for credit, apply for a job, apply for a bank account, etc.Bottom line is if you’re working day labor type jobs for small companies and live on a cash basis it might not affect anything.  

Where do you live?

I have about 8K to start investing, which I know is not a lot, but with 3 kids living in SoCal, we are already pinching pennies.