Many of the section 8 tenants I've had give me little to zero problems and take care of the place as though it's their own.

If I paid cash for this property, the HOA + Insurance + taxes is around $500 / month. 

To succeed, focus on properties in high-demand neighborhoods like Pecan Grove or Aliana, and ensure your cash flow analysis accounts for high property taxes, potential HOA restrictions, and flood insurance costs.

Insurance is awful.

The properties in OK, which are roughly 30-40% smaller than my personal residence are only about $400-$600 cheaper than my FL insurance.

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

I don't care if 99 of 100 homes in the area have K&T, I would NOT buy it and leave it with K&T anywhere.

Moves risk to be financially covered by insurance hypothetically.

so those owners are pretty comfortable - no mortgage payment - and they don't need to sell, and they don't care where an investor "needs" the price to be to make money.