Quote from @John Hu: whatever you do.. stay away from Jefferson Park... especially areas south of the blue line...

Preferably stay for one year and find another house.

People are more likely to buy and stay here, versus move around. 

Palm Coast might not have the flashy reputation of Miami, but there’s a lot to love in that area’s growth potential.I’ve been around the real estate block for a few decades, and one thing I’ve seen is that luxury rentals can thrive when they’re more than just “pretty”.. they need staying power.

Plan on staying married no matter how rocky it gets, work through it, it's worth it. 

But stay active doing SOMETHING.

All a mid-term rental is someone staying not permanently but longer than on vacation.

I don't think being a long distance landlord is as easy as some tout but full disclosure I've stayed with 80 miles of my primary residences. 

To get those hours, maybe turn one or two into medium term rentals (you want the average stays to be over 7 days so they don't fall into STR status) which would give her more to do, particularly in the first year of furnishing them and getting everything set up.Alternatively, she maybe she could manage the properties but also get her RE license and try to sell a house or two a year - go to lots of open houses or run them for other agents?

If the best you qualify for is alternative financing when the purchasing loan matures you will  likely be treading water barely able to stay a float.