Our biggest challenge is that we are not over 55+ and we would prefer to invest our money in the villages itself.

If that was not true, he would’ve done it instead of saying it.

I look at every single item in the pro forma and imagine that it is complete BS, and see if I can challenge it.

Are there specific zoning or structural challenges in Florida I should be aware of?

They have sent me a letter in the mail asking to buy my lot for almost double what the local values are so I'm not sure if this is a scam or just to good to be true.

In areas like South DFW, challenges like limited inventory and high prices require creative approaches such as off-market deals, foreclosures, or properties needing updates.

Congratulations on getting your foot in the STR door, starting out is always a challenge to new host but dont worry you will get there. 

Though I appreciate the idea of finding online resources and studying them, I find that a curated, tried and true formula (if it works) is much more worth my time than spending time trying to find which resource works best and then spitballing the ideas until something sticks. 

And since I am brand new to a lot of this I don’t know what is too good to be true.

The true definition of "owner financing" is that the owner of the home is providing the financing to acquire a property.