Also reading through the CAFR everything looks pretty steady with the principal employers, unemployment and city financials.

The area has proximity to many big employers and downtown.

If you happen to qualify for the Solo 401(k) plan type by being self-employed and having no full time employees, then the tax on UDFI is exempted. 

Population growth and its main driversEmployment growth and the major employers Unemployment rateMedian home valueMedian rentRent/Value ratioEst.

If you want to employ SEOthen make sure you get a site.

Municipal websites and the news for upcoming projects/employers in a local area2.

I have self employed income for 2018 and 2019.

I currently have a fully vested Roth 401k through my employer that has a sizable chunk of cash (definitely 2 down payments in my market).

There are other employers like Siemens also. zip code 32826, 328172. 

Please note that you are obligated to pay back their 401k (regardless of the performance of your real estate investment).Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).If you are self-employed with no full-time employees & you can rollover the funds, you could set up a Solo 401k, rollover the funds and take a 401k loan from the Solo 401k.2) Regarding taking a distribution from a 401k plan and then paying back within 60 days: the issue here is that there is a 20% withholding requirement so if you distribute $10,000 you will receive $8,000 (since 20% is withheld) but you will need to deposit $10,000 within 60 days so you are effectively providing Uncle Sam with an interest-free loan equal to $2000 since you won't be able to recoup those funds until you file your taxes.