If you can hold the property for over a year, it will qualify for long-term capital gains, which are taxed at a lower rate.Consider holding the property to qualify for either the long-term gains rate or the 121 exclusion.

Our market is very heavy tourists, so a lot of individually owned STR condos, but honestly I've personally have had more success in long-term rentals doing the BRRRR strategy with small multi-families and B-Class SFR's. 

As long as you mom can qualify on her own (with her credit score), I don't think adding you to the loan application would hurt even though your score is not good (but I would still double check that).

Private money may cost you more in the end, but as long as you know the terms and are fine with it.  

or revenues dropped significantly last/this year due to seasonal weather events?

-I have seen appraisers fine with it as long as it looks decent.

Lastly, just make sure the lender is rate locking you and don't pay any upfront fees.

This would qualify the property for long-term capital gains treatment. also, if you command decent rents, it’s going to help you flip that property at a higher price point with solid tenants.I also agree with the sentiment that if you decide to flip it and pay tax that’s a good problem to have because it means you made money on your flip and that’s the goal!

Building a strong, high-performing power team is essential for any leader aiming for long-term success.

I am in Florida as well and I have learned over the last several years you have Agents that are great and do their due diligence and some that are brand new and tend to not know enough right out of the gate.