A mixed way is often best, with plans for money coming in and extra backup for any surprises.

Assuming I had the experience, I would only buy a place with structural issues if I had 1) an experienced and trusted structural engineer telling me a clear, and verifiable explanation of the cause(s) of the problem and a viable and affordable solution, 2) trusted and experienced tradespeople who would be implementing the solution (carpenter, mason, etc.) confirming with me that they could fix the issue (with 90% or higher confidence that the issue could be resolved within budget), and 3) confirmation from city inspectors that the issue (and an inability to fix the issue) would not result in condemnation/revocation of occupancy permits. ...and even then, I'd only proceed if I had the cash reserves to ride out a major series of unexpected problems (e.g.; time overruns, budget overruns, unexpected revocation of occupancy permits from the city, etc.) 

Surprisingly I think I like the SFR, (lower maintenance costs and tenant interactions per cash flow dollars).

I"m surprised to hear you haven't had issues as Volusia and Daytona have been crazy with stopping STRS lately. 

Less surprises and less "cooks in the kitchen" over however many years.

I'd be very surprised if you have full replacement coverage if all of the factors you listed were in play when you purchased the home/policy.Filing a legitimate claim won't make you uninsurable.  

@Collin H.With credit card defaults and auto defaults on the rise as well as overall debt - people will start tightening the belts and first thing they will get rid of is spending on travel and vacations etc So reading this I am not surprised - how has 2024 been compared overall to last year ?

You may just be surprised. 

Does this surprise anyone? 

5 bed 3 bath house ) For unexpected changes, we couldn't afford mortgage, we rented as Short term rental.