For the FL properties, I have read that for a second property there would need to be 20% down payment. 

This property checked all the boxes.

And several other countries with major corruption, social issues and questionable property rights laws? 

You should consider: appreciation, can you get reliable property management there, crime area, etc to name a few.

A mortgage lender told me to use a DSCR loan and just move in to the property as a primary residence?!

here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

Both times our property got lucky and was not red tagged.  

Property taxes are wild.

What type(s) of commercial properties are you looking for? 

Mark your property available for rent and it gets pushed out to several sites.