I believe you're correct that 'business' loans may not consider personal income very heavily in their qualification process.Unfortunately, however, I also believe most will strongly consider business income in their qualifying process.So, I don't think there's really a way around the income requirements for conventional financing.One thing I'd recommend is looking into multi family properties, For 2-4 unit properties, 75% of the rental income can be used towards qualifying.Feel free to reach out if you want to chat about this further

Lenders have strict "guidelines" that are so heavily enforced they might as well be termed "rules" about what is acceptable in terms of support or not.

But they didn’t get away with much and the house has been heavily reinforced with locks.

You'll be heavily relying on your PM company and a local handyman for smaller repairs.

Do I have to be heavily front-loaded cash-wise?

Buy and Hold is the better option and pays off heavily in the long run.

Odds are your payment will eventually increase but this practice often prevents that from occurring right away.FL is heavily regulated and you will not end up paying the amount estimated for title insurance regardless of which title company you close with.

All other future properties, one of which I’m working on purchasing in May 2020, would be based heavily on cash flow and less focused on appreciation.

I dunno, I think I drank too much coffee today. 

I appreciate you sharing your personal experience and it does help to show that some people are making a go of it in Frayser, however I think I need a broader pool to better gauge the asset base.In all honesty, I've seen a number of people who do manage large portfolios post positively in other threads regarding investing in this area, so I'm trying not to read too heavily into the fact that they aren't willing to share their results (but who knows, maybe they just haven't had an opportunity to respond yet).