Be sure to hold a hefty reserve to handle on-going maintenance, capex, taxes, and insurance.

Not sure how much you know about Richard Wilson.

And your cleaners will need to clean out the fireplace ashes each time, make sure the damper is closed, bring wood in or have a pile near the door, whatever.  

@Matthew Paul I'm not sure I can demand the rents that would cover the costs of the utilities.

Not sure if everyone here knows, but I represent taxpayers before the IRS.

Plus, compared to other parts of Florida, the Panhandle is still relatively affordable, making it a great option for first-time investors or those looking to diversify their portfolio.Another huge perk is Florida’s no state income tax and landlord-friendly laws, which make it easier to manage and profit from rental properties.

and that was owner occ.. todays rates are pretty normal actually. what you can do if you want though is find a really good HML and let them place a loan for you making 10 to 12% while your wait for things to change to a situation that you feel you want to move forward be more net return than buying a rental thats for sure. of course no tax bene's but there really is not that much tax benefit on one rental.. so just some alternatives. 

Be sure you are comfortable with the math and know exactly how much you should be getting depending on how the property performs at different levels.  

I will be sure to reach out to you and follow up. 

Not sure of housing in 2025 and future.