FYI the account would be US based, not outside the country.

I would most likely never invest in a syndication, but it seems like this would be a great opportunity to "buy low" based on all of the failed ones I'm seeing. 

Quote from @Jay Martin: Has anyone heard of or used Bluebird lending they have dscr loans, etc. opened in 2018 in Philly, lend in a bunch of states, but hard to find info on them. have not heard of them but based on the website appear legit.

My first fear for you is that you don't really know much based on your questions and you might need longer to learn it than just trying to get and fund this deal. 22 units, with only 2 multis as experience, makes it harder to find stranger money, but more probably to find friend or family money if that makes sense.

We are real estate rookies based in the beautiful Seacoast area of New Hampshire.

Rate seems about right, so I wouldn't get too hung up on that (DSCR would be about there too, maybe even a little less based on that leverage).Sorry, a bit rambling there, but would be happy to connect and talk through things if that would help?

Feel free to adjust the numbers based on your expectations for capex or vacancy rates.

I have started small and out of state where I am entrusting people based on referrals.

I have a US credit score, US bank accounts and some US-based income, but my paychecks are not.

Depending on how much you'll like to contribute to this retirement account keep in mind the self employment taxes you may need to pay of 15.3% and age if contributing to a traditional not roth type retirement account.I agree with the above based on your answer you most likely won't have issues in FL.