I can hardly find tenants whose whole household meet all of the followings: good credit scores, stable 3 times income and reasonable reserve.

You need stable W-2 income so you can get a loan.As far as working 40+ hours to make someone else money… that’s a tough attitude to have entering the work force.

Most of my properties are are very nice, in nice areas so generally the tenants are stable and honestly I only had issues with one of my younger tenant's pets causing damage (chewing on the trim, etc) but I actually blame the tenants for being lax and irresponsible.

I would have had to pay more monthly for the property but I would have felt more stable with the extra cash to use when necessary.Like Kayla said, I would analyze both strategies and seeing which works better for your situation.

Even something as simple as lending out crypto stable coins to providers like Nexo, Celcius, Crypto.com,  Anchor protocol, or others, can earn you a pretty risk free 8-20% return on your money. 

Here is what I gathered from the investors or my own observations/ experience 1) owners don’t pay utilities, sales and tourist taxes, routine maintenance (almost every check out, a touch up paint is needed as guests leave wall marks with their luggage; just a basic example), inventory ( sheets, towels, furniture, and etc) 2) in long term, tenants cover lots of maintenance; so another saving. 3) in long term, occupancy rate is higher and more stable. 4) long term rental rates are high today. 5) townhouses or condos have to compete with the hotels, and Orlando has more of these than any other city probably in the world.

Stable rental market & recently there has been some decent appreciation, (not like LA of course)…

Both you and your girlfriend would need be gainfully employed for a year or longer with stable, qualifying income.

I would like to start off as a part-time agent since I currently have 9-5 W2 job that could provide me a stable income.

The simplified answer is stable income, and the ability to afford the payment and the cash needed to close.