If you don't have a two-year work history, then you'd need to use your schooling and any internships that you might have had to fill a two year period in a way that would be acceptable for a lender.Regarding closing costs in Florida, there generally 5 distinct types of closing costs:1) Taxes (transfer taxes imposed by state, and taxes to record information)2) Insurance (1 year prepaid upfront, plus 3 months of escrows)3) Inspections (Survey, Appraisal ect.)4) Title Costs (Florida generally uses Title companies to close, and they handle all paperwork to transfer title and insure your TItle)5) Origination Fees (only charged by certain lenders to increase profit)Frankly, 6% is extremely high for closing costs in the state of Florida. 3% is a good rule of thumb when calculating closing costs on most conventional loans.

In my mind there are two paths you could go down that I would keep distinct and separate at this point.

I will say, at least here in Florida, there definitely is a distinction between mid and long term rentals.

They should have 2 distinct licenses; one will be in the company's name only and the other one will be in the broker's name showing them as being associated with the company from the first license.

My only point is that when you own a gun, and bad guys know u have a gun, then they think twice before acting in a distinctive manner.

In Tampa we have two rather distinct submarkets, basically urban and beach. 

@Morgan HopperThere are 2 distinct areas in the Lake Tahoe basin for STR. 

This is a key distinction that many new real estate investors do not fully understand.

A friend of mine attests that it the distinction doesn't have much affect on the land value, but I'm curious if that's just in his specific market. 

There is a distinct difference!