The issue is that my area Tampa Florida has a lot of fails when a mom and pop venture is the way they go. 

I got 6 PDX officers and another 10 or more folks  that left the urban environment for our burb or little 22k pop city. values are high still though in the city so there is that to..

Seen this pop up on several “top 10 trends going out of style in 2022” type articles.

1st of all corporations own less than 2% of single family homes, they have actually reduced thier share of buying recently, now investors continue to buy up properties, it’s just more mom & pop types, all that said the housing market is in an extremely strange place, I could make strong arguments for prices pulling back, reaccelarting, or being basically flat, the biggest thing I’d advise is looking at you payment, comparing that to what would pay in rent, figuring out how long you plan to be the house and making an decision based on that, generally in that under 400k price point, breakeven for buying a property seems to about 3-5 years if you plan to stay in the house longer than that, bite the bullet & buy, if not rent.  

In the short term it can be overwhelming, you lose sleep, you worry about other hidden issues popping up, you second guess your decision to buy the property (buyer's remorse).So, what happen to the two property I listed above?

The average seller-finance loan is through a mom-and-pop that does 1-2 in their life.

I have one myself that I use mainly as an emergency fund and occasionally to take advantage of an opportunity that pops up.

This will take alot of stress off your plate when something pops up. 

The disposal most likely is just plugged and the breaker popped and needs to be reset.

You're right and from what I've seen, most of the multi-family popping up on the MLS are in or around 32209, or pretty far from the city to the northwest.