@Syed Lateef I guess if you bargain a bit ABT would be a good bet but I find it hard to believe they have the best pricing.

They will be your best bet in Florida. 

Of the options I’ve purchased, a majority expired unexercised, mainly because they were “flyers” for me on a bet on a beneficial event happening that wasn’t likely to happen.

If you are, I recommend buying a small multifamily and house hack to reduce your largest living expense while building equity.I recommend talking to a lender (i can connect you with one) about the income fluctuation and see how much you can qualify.Your best bet is to get a owner occupied loan with 30 yr fixed rate.

Your best bet is to find your local REIA, which you can search for on nationalreia.org. 

Your best bet if you want to know that is calling the Section 8 Housing Assistant assigned to your tenant and asking, they may be able to calculate what it would look like.

Johnny, I know exactly which lender your working with.I am going to tell you, there are better options.Look around a bit, That prepay is 5% fixed for 3 years.I wouldn't pay 22k to buy a rate down in a decreasing rate environment.A 7.75% on a 3,2,1 declining prepayment is a better bet. 

Best bet is to come here and see how things are.

Just like @Jason Wray said, finding a good agent or already knowing one is your best bet.

They provide great education on how to properly buy and manage rent property and they have a huge physical office in your backyard.