FYI, we were able to get a 5.5% rate from their recommended lender with 20% down.  

Quote from @Brandon Croucier: Hi Kathy, at the end of the day the mortgage industry is so vast & wide it's essentially like trying to navigate the Sahara Desert.I highly recommend working with an experienced mortgage broker who knows the ins and outs of the industry to place you into the most competitive product for you.More times than not, people save money working with a small shop broker.Kathy,I wanted to revisit this to offer a a tad bit more and Brandon above is correct.

Here’s my recommendation to get it under control: For a quick fix, start by sealing up any gaps using acoustic caulk around outlets, baseboards, or other small openings.

For starters, I recommend to begin with a single family home or if you are looking to start locally, do house hacking. 

There is a free version that allows you to do the planning, analysis and estimating that I would recommend you try before deciding to purchase the full version to see if this meets your needs. 

Hey @Nick Gallon Martin, I recommend speaking to a Tax Planner/CPA, @Jeff Nash would be a great resource for you.

My recommendation would be to engage an investment property focused realtor (not a general residential realtor) and let that person guide you through the process from pre-qualification to market/property valuation and selection. 

I would recommend checking with some local insurance brokers in your area, they may know more carriers that are available."

I would highly recommend talking to Jeff Weller at Coast 2 Coast and Fernando Corona both are also PadSplit hosts but we're some of the first expert lenders .

@John Lasher if you want to focus on MF, especially in the North Florida markets, I highly recommend you speak to Beau Beery.