I am also type of person who always thinks I know what I want and as I age realize things change - I say this because this would lead me not to want to buy a house now to rent to move in the future - I would look at it if it worked as a good rental and assume I would not live there and if I did later in life that’s bonus

Bidding is at in person auctions at the county courthouse. 

We need to move for personal reason and are trying to avoid selling and loosing the low rate as well as the cash flow.

How would you fund this if you are working with less than 20k personal funds.

Personally, I started in a market close to me as I wanted to do rentals so until I got my process down, I didn't want to venture too far from home.

Even my local to me clients - 95% of them we never meet in person each year.  

LLC, S-Corp, etc) that files a tax return or do you own it in your personal name and report rental income on IRS Schedule E? 

That means more expensive and less profitable and, personally, I wouldn't invest there because of the sargassum issue but you might care less about it because of the lifestyle component in your case.4.

What does that have to do with a personal refi loan in my name?

You got bad advice from your prior accountant.You received rental income and it should have been reported.it seems like maybe he was lazy and/or doesn't understand rental concepts.The only exception is if he is paying 'under-market' for rent in which case the property would be considered personal use.I would fix the issue and charge him market rent.