Eventually there's going to be a site that's good for owners, probably a flat fee model, free for users and the savings will destroy VRBO and Airbnb.

I mean intimidating along the lines of short analysis times followed by silent auction-style bidding.

These are income based loans and rates will depend on your credit score and loan to value (LTV).I've seen programs where values determined by AVM (automated valuation model), not a full appraisal. 

Mickael my friend just rented a 3/2 Ranch style house with double garage for $2000 a month in South Valrico area near Bloomingdale and Bell Shoals Rd.

I have a pretty specific design style.  

Have you looked into the Padsplit model? 

Many of us regularly see aggressively modeled exit caps...and the +10 basis points per year rule of thumb is arbitrary. 

The investment model changed from what I understand, instead of investing in single STR, they created a fund.

You're looking for an AVM "automated valuation model".

So it's hard to recommend markets without knowing what you prize most, appreciation or cashflow, and what rental model you prefer as well (i.e., LTR, STR, MTR, rent by the room, etc.).