Two, you'll have a much easier time obtaining a mortgage product if you have a track record of W2 income.In the meantime, continue implementing the strategies you mentioned: save religiously, build your credit, pay any existing debt owed, etc.

(Available time, money, income, family situation, credit availability, time horizon, real estate market location and phase, medical situation, etc etc.)

Quote from @Griffin Malcolm: Open an LLC and apply for a small business line of credit from Key Bank.

If the applicant comes from the pool of people that I or my tenants know, I use real estate as a way to give back as many of my tenants will not qualify credit wise or may even have a criminal background or would struggle for another reason if I were to just stick to the "background/credit check" criteria. 

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

If you're using traditional financing on your primary residence, they're going to do another credit check on you just before closing.

However, I’m not sure how to accurately determine its value, given the configuration and the fact that it’s not fully rented.My Concerns:Determining Value: How should I calculate the fair market value for this type of property?

Looks fairly normal to me.

Ivan, I'm in Tampa too and I'm a lender with formal commercial credit background from two of the largest lenders in the world and 34 years of lending experience.

Fair PricingThey’re not the cheapest, but they’re honest and transparent about costs.