I have 10 acres of raw land that I purchased to put a house on that already has a well, power and septic available. 

You will find much easier and cheaper financing options and can get into a home with as little as 3% down (and depending on your income, potentially no money down).

I lived in Orlando I liked it, but based on how things been going, Tampa seems like the better option.

I definitely need a bigger list but I was testing out a power dialer.

If you don't pay they have the power to foreclose and also to force payment thru a judgement if you ever sell the house.

Transplant hospitals might be another option. 

You have some options definitely since you have experience.

The other option is hard money, how good of an idea is using hard money for my first deal?

For example, if you're looking for homes with basements... the MLS options you're considering may not have any inputted data for the "basement" section because there are no basements in those listings)- could be a convo to have with the agent's broker about how they're approaching the search strategy and that you're not happy with it- How did you "go on the MLS"?

I would say there should be a few options at that loan amount - the most common minimum for DSCR lenders right now probably more like $100k or $125k - I would say only a small portion have as high a min. as $150,000