Sorry for the following Contrarian advice, but you're not a 5 year old so:The only reason to buy a personal residence (Home) is because someone is forcing you to.Usually, this person is called your Spouse (which is Latin for someone who forces you to make horrible financial decisions then criticizes you for them endlessly:)perhaps DON'T buy a home, just rent something affordable and invest the 20% or in your case 50% into the stock market (sp500 16.1% yearly return last 15 years, 11% last 50 years, 10% last 125 years)remember, your RENT is your maximum monthly housing expense, but your Mortgage is your minimum or starting monthly housing cost, it always goes up from thereI've, owned 2 personal homes, 100% appreciation in 6years on #1 and in 7 years on #2, (I timed our market perfectly both times), with 20% down and very low mortgage rates, but after honestly calculating all expenses, only made about 5-6% a year "investment wise".

Sorry I usually do dead center first then the rest of the exterior then interior then arial 

As expected, he recommends Roth conversion and invest in stocks. 

For others, it may be diversify into stocks.

I would expect start-up costs such as stocking linens/bedding, upgrading certain furnishing and amenities, and pass-through costs for listing on the OTAs (like VRBO, Airbnb). 

Investors buy shares and earn returns through dividends and potential stock price appreciation.You typically can’t lose more than your initial investment with publicly traded REITs.

I am definitely looking in the Sarasota and Clearwater area so not dead set Tampa but somewhat in the Florida West Coast area.

They are dead wrong. 

Hey Anthony,@Jonathan Greene's reply is dead on.

Most of our money has been invested in the stock market since we moved to the US in 2017, but we are looking to diversify and generate passive, long-term income.