The CAR form seems expensive and over-kill.I see convenient fallible forms online but hey usually want a subscription.I'd like a a form I can purchase and reuse. 

I would almost lean towards investment property first, but I'm not married.You know how the saying goes... happy wife, happy life! 

.- Demographics: the age distribution clearly leaned to 34+ but I went ahead and forced to 45+ because I've seen a lot of older mom-n-pops starting to dump their portfolios on Zillow.- Ad "groups": I tried to target people that were specifically interested in selling with seller financing, but most searches were BUYERS looking to acquire with seller financing. 

And if you look at FL topographically, after Titusville it leans in and often hurricanes skirt the coast or head more north. 

I would lean towards option "A" personally if you are going to live in it but that is totally up to you and what your standard of living is.

Most lenders accept all some smaller lenders just need to be educated on private flood @John Mocker offered some great information about the private flood insurance law BW12 I would suggest you lean on your agent that wrote you the private flood policy and have them call your lender and educate them about the law and the policy.

I know you are right .. location location.. which is why I am leaning toward a canal property... plus I have a boat! 

I have the math leaning brain and he has the more creative leaning brain.

I had some in my apartments, and I really saw it more as a convenience factor and an added draw to my units for prospective renters, and less as a way to make a profit.

Get in touch at your convenience.