If we can get our rental portfolio to cash flow $11K a month I feel like that is a good enough buffer even if we account for inflation. 

That's what I was looking for when I got married because we're playing the long game!

Think of it like your favorite song on the radio—if it's played on repeat, you might eventually crave a fresh tune.

Lakeland is like Tampa’s younger cousin—cheaper, growing fast, and great for cash flow.

Should I just add them to my 'Cash Buyer List' and move on?

Cash flow is a math problem. 

There is virtually no reason to keep “cash” on hand for repairs. 

You're not in the position to be a cash buyer...as a former wealth manager, it's simply not a good play for you for many of the reasons stated above and more.  

However, it’s important to ensure the seller is comfortable with the terms and that the property cash flow can support the agreed-upon monthly payments.Seller financing can be a good strategy to grow your portfolio with less initial capital, especially if you're able to increase the property's value through improvements (forcing appreciation).

If you have any cap ex left in Palm Bay (like an HVAC major repair or roof) you will lose cash flow for years.