I would probably be still working as an AZ State Corrections Officer making $20hr and I wouldn't have my rental portfolio if it wasn't for my 0% down VA loan, FHA 3.5% and Fannie 5% down.

@Steve Babiak correct! 

But what you’re encouraging is that when I am 23, I should use the first 4 or so years just building a portfolio of LTR’s and then when I am 27, look into leveraging STR’s to meet the “Real Estate Professional Status” and “Material Participation” the IRS outlines, correct? 

Appreciation is the most attractive thing about the miramar and destin market if you buy the correct property!

. - appraisal could come back subject to corrections. - unless you get some whacko judge, there should not be any issue collecting rent on unpermittted unit, having a move-out cost (no fault eviction) in excess of the standard rent control or eviction process in excess of standard rent control hurdles.    

Asking in the correct forum will get a better response.Need a spreadsheet or form?

Honestly, since you are identifying the problem and correcting it, I'd stick it out and push through. 

If you are unfamiliar with the process, I would reach out to a lawyer to set you up correctly. 

Once corrected and on the correct path the screening went smoothly.

Quote from @Lance Turner: You are correct.