or even more.not saying you're considering going that far out but just using an example that i can speak to.my actionable step for you after picking a market would be: make a trip to that market every month and network in person. 

Speak soon

I don't know Orlando as well so I can't speak to interesting areas as well as I can Jacksonville, but there are plenty of interesting areas.

So, my recommendation is to reach out to an experienced agent and speak to them.

Given how the housing authority does their rent price determination on individual units, and government ran programs are never beacons of efficient processes, it can go either way.Note, the examples I speak of only relate to C-Class and below areas.

In fact it's the exact opposite, 1% of commercial agents don't know what owner financing is after doing this model daily and speaking to 100's of commercial agents.

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

I do want to expand directly in my area and having more confidence when speaking to landlords but that just means my sales pitch still needs work. 

I can confidently speak about Birmingham.

It is not really apples to apples, but generally speaking the more money invested the further ahead you will be eventually in the future, just because your compounding base is higher, regardless of where the money comes from - ie, 4 300k properties are 1.2 million on property, which is double the 600k property.