First, I want to address the question of rental arbitrage vs. buy and hold STRs:In my experience buying the real estate (even if it results in fewer units) is almost always better than rental arbitrage.

Investing in better class properties usually gives you a longer term tenant in general. 

* Is it better or worse for my business if the rental market is over-saturated?

If she was actually residing in FL longer than PA for each of the last 6 years she's actually been breaking the law in Pennsylvania by still claiming to be a resident there (why would she do this, since FL tax and homeowner protection laws are better in FL?).

The earlier you start in your RE journey, the better off you will be in the future.

Check the foundation better.

I am aiming for a home between 150-250k, which i can afford if all hell breaks loose, at a 5% conventional 30 year term loan (unless a lender or someone else can suggest me a better loan) My question is what are the minimum requirements for obtaining such a home (capital wise, credit score wise, salary wise) Who can i specifically talk to for these numbers and help me understand tenant demand, areas, and more specific information about my market?

I also do not know whose expectation is that ADUs will appraise better in the future.  

I'm desperately searching for a financing option for my spec homes that will give me better terms than the 10-12% interest plus $10k closing costs that my current HML is giving me.I tried doing buyer-financed, but they haven't been selling very well (although I really haven't waited long, I'm just impatient).

If you're in a decent area I think it's always better to start close to home.