Although they don't represent you, they should have the legal expertise available to guide you in the right direction.

Two books that would be great reads since you're just starting out would be Rich Dad Poor Dad by Robert Kiyosaki and How to Invest in Real Estate: The Ultimate Beginner's Guide to Getting Started by Brandon Turner and Joshua Dorkin. 

Start with BiggerPockets Ultimate Beginners Guide (free).

Then you can treat the mold it will not return.This is a great resource to keep for yourself and tenants: https://www.epa.gov/mold/brief-guide-mold-moisture-and-your-...I suspect your tenant is doing something that creates excess humidity in the home.

There BP getting started guide is great.

Yes Lilach, there's been a number of successful BRRRR, your why for venturing into Jacksonville market for BRRRR should guide your search.

I really did all this by myself as I had no one to guide me in this process, but I'll still break off some money for my family!

Here's a detailed guide on how to screen applicants: Application Screening Guide

Your loan servicer will work with you on a manageable repayment plan.To access relief, contact your mortgage servicer, as they will guide you through the available options based on your specific situation [oai_citation:4,Mortgage Assistance for Those Impacted by Recent Natural Disasters - Freddie Mac](https://www.freddiemac.com/about/hurricane-relief) [oai_citation:3,Disaster Response | Fannie Mae](https://singlefamily.fanniemae.com/disaster-response).

Its a good question and lots of resources here on BP to learn - generally going the "conventional" route with mortgage loans from private lenders that conform to GSE (Fannie Mae) standards is great for your first few, then many switch over to "DSCR Loans" when they start scaling towards property number 3,4,5 etcI recommend talking to Jeff Welgan at Bluprint home loans to talk to to learn about the conventional options https://bluprinthomeloans.com/jeff/Also feel free to check out these resources on "DSCR Loans" which don't use DTI at all and are really good for scaling:BP-Published DSCR Guide!