After reading everyone else's comments, I may have a controversial take, but here goes. 

Quote from @Amir Rahmani: Either laminate or vinyl flooring would be a good choice. since it's cheaper I’m not a fan of carpet at all, especially for rental properties.Thank you for your comments, Amir! 

Vu's comment about a preflight checklist is spot on.

Hope something I said helps you.Maybe someone can comment: I felt like we had a good rapport going prior.

Reading those little books that guests and sign and comment in can be very helpful and grounding when you have those times when it seems like guests don't care.

If anyone has good recommendations on how to start learning how to analyze deals to see if they would be worth it please leave a comment down below.

I can't comment on the bureaucracy, but thanks for the cautionary tales!

As others have commented, this is a scenario where you will have most luck with a private individual lender or some other local financing - just too small for pretty much all the national platform hard money lenders

I can’t comment on Destin but I’m in Marco Island.

The other way to lower PITIA is to get a lower insurance quote but this is marginal since most insurance carriers are all priced to market efficiently (insurance accuraries have low margin of error or variability).Stated the problem and the solution to your FHA inquiries, any thoughts questions comments, lets goooo....