This clearly impacts affordability and valuations.

Assuming you have 5 units, each worth 300K, and you could afford the loss of one, but not all.

Work with someone who can guide you or just accept that your tuition will be paid through making some costly mistakes which is also legit if you can afford that :-) Good luck!

Florida is a state that does not fool around when it comes to foreclosures as if you do not have your i's dotted and T's crossed you can get burned bad.

And my final dream is to buy land in my home country to build affordable housing for people there.

These platforms are affordable and offer comprehensive reports (credit, background, eviction history) without you having to handle sensitive information directly.Verify Employment and Landlord History: Your plan to request pay stubs and a landlord reference is solid.

I still believe affordable housing is a great investment. 

You'll need at least 125-150 doors to make a decent living, but you won't be able to afford much help. 

I would look at it in terms of whether you can afford a worst case scenario where you're covering the deductible and have a credit line or cash to front the re-build cost and getting reimbursed from insurance afterwards.

Its a nice little cheat/loophole on the mortgage side that can help afford a larger home pice and increase your chances of getting a home or other loans.If you have any questions feel free to reach out I am always happy to help and go over the basics.