I’m considering doing a cash-out refinance, not sure what the best options is , to use the rental property or the rehab property.

The area is fairly landlord friendly.  

With the duplex, you can do both rental options.  

I am going to finish the rehab and get it rented then resubmit for a rental loan.I have used Cashcall Mortgage twice and have been very happy with them but Elite seems to be more flexible and have more options so was going to see if they are competitive.

FHA gets a bad rap because sellers and many agents think it's only for people who don't have the money so if I had 20 percent, but wanted to use FHA, I would present a proof of funds with my offer showing I have more money, but am using the FHA as a financial option so I can get an investment property as well somewhere else.

I am finding tenants through Facebook Marketplace, the town has a shipyard and there are lot of people that come work for a few weeks/months at a time so this is a good option for them!

Center Point is not investor friendly anymore so I would advise staying away from the rental side.

.- With $100K, you have a lot of options. 

Please correct me if I'm wrong, but wouldn't a single-family home be a better option near Disney World, especially one with a pool, if it's affordable?

You have options!