They can help you navigate the difference between on-market turn-key style homes vs the local "turn-key" options.  

The infamous Neverland Ranch, in the Santa Ynez Valley, spans 2,700 acre and has a 12,000-square-foot French Normandy-style mansion, three guesthouses, a movie theater, a train station and a 4-acre lake with a waterfall.

Last, life insurance usually are not counted for financial aid tuition purpose for your kids.However, be aware that by lowering your earned income, you are lowering your social security wages for retirement and will also look less suitable for a lender who relies on w2 income.Just make sure that the insurance carrier used by your employer is a highly rated one as your main risk is that the insurance company does not honor its contract with you.

It is nearly a replica of our home: same colonial style, same bed/bath count, same square footage, similar renovations.

Already rented, ranch style, brick How did you find this deal and how did you negotiate it?

FHA), or finding a more suitable market that you can enter with what you have available now.

Since Florida is home to many resort style retirement communities....it is super popular with boomers and that influx will continue since the youngest boomers are in their late 50's.

I'm a BRRRR style investor and have already purchased 2 properties which I positively cashflowed.

You have to know your market like the back of your hand and need to spend time looking for suitable properties every day. 

This will give you cushion if there are market shifts and allow you time to find suitable lenders to take it down for you.