They get a higher return since they are covering housing cost, have the $250k per spouse primary residence deduction in gains, is a savings account, higher leverage position, lower interest rate possible, will pay more premium for location, etc.House might be overpriced for REITs but not for home owners.  

There are more factors than just the community (#beds, level of theming, location to the amenities, style of home (single family, townhome, condo) and others) But I would strongly advise to stay within some of the same communities you mentioned like Storey Lake, Windsor Hills, Championsgate and a few others if cash flow is your goal.

I currently operate a few STRs so have a good understanding of that aspect although they're all located in touristy locations.

I have been living where i am now since 2022 I don’t want to ever sell it because its in a good location and it has potential to be a great rental investment i just don’t want to lose my interest rate by leaving and renting it out i have heard that your mortgage can be called due by doing that.

With that being said, if there are any agents or investors located in Western NY willing to let me learn from them, or simply learn more about them, I am willing to work something out and/or possibly work for free.

Firstly, it often generates higher rental income compared to long-term leases, particularly in desirable locations or during peak seasons.

Continuing on the north coast, another idyllic vacation rental location is Pacific City Oregon.

Deal 2: Duplex (older home that needs TLC in good location)Purchase price: 120k, Rehab 40k, Total all in: 180kExpected Rent: $2,400/month to $2,700/monthDeal 3: 5 Plex (is that even a word?

With $1mm cash we can do 3 locations netting $40,000 before income tax per month.  

What is drawing you to that specific location?