It can be simply the day of the week, the feeling you have at the moment, or as simple as watching a movie to make up your mind.

@Jimmy Wilson, Beautiful strategy.  

However, my family situation is a little different as I recently retired from the military and not working at the moment.

Because from the moment each Buy is Rented and Refinanced, your tenants are paying it off!

And yes, Tampa's prices are very high at the moment. 

This is a hypothetical deal at the moment, and my comments are mostly just ideas from someone (me) who doesnt feel confident in my answers, and even struggles to ask the right questions.  

I'm really torn because someone can easily come along and outbid us at any moment so time is of the essence.

Another thing that's motivating, is the after-- people don't see the hard work, or know the crazy long hours you do.. but what they do know, is a gorgeous kitchen, pretty floors... it's an amazing feeling to look at a beautiful house and say "I did that!" 

Of course have very low money and this is difficult given also don't have a job at the moment.

The MLS properties seem hyper competitive at the moment, and so off-market may be the way to go.