@Scott RosslowSorry I meant to say the files docs are a bit convoluted so I might have a title company review all the properties for me.

Now in Florida you only get one free listing and then you have to pay $9.99/week for additonal listings( It is not meant for short term rentals and there is an issue with the site updating current information) but that is where I received most of my inquiries.

I meant that the percent of time my units were occupied ranged from 83-98%. 

I assume you meant any non-EU citizen :-)

If this is meant as a very conservative addition to your personal income 60% might make sense.

I have no clue why you say this other than a dislike for the President.As an investor, contractor, builder, remodeler here in the Tampa Bay region I can tell you that the "working class" like roofers, painters, carpenters, floor guys, metal framers, stucco, manufacturers, distributors, drivers, realtors, etc. are all doing very, very, very well thanks to the economic policies of this administration.If your definition of "working class" is simply retail or food service, those jobs are meant as stepping stones.

Cash meant everything.  

They all knew i was in contract and that i would have cash to buy my next deal. this meant for them a guaranteed commission as long as they could present me with a reasonable property. a weeks went by of me visiting properties and analyzing deals before one of the realtors got back with me in an email.

Clipped the first few paragraphs.Fannie Mae and Freddie Mac Curb Some Loans as Regulator Reins In RiskUpdated Dec. 10, 2019 5:58 am ETFannie Mae FNMA +1.97% and Freddie Mac FMCC +2.17% are pulling back on some mortgages meant to make homeownership more affordable, their latest effort to rein in risk at the behest of their regulator.The two companies are cutting back on the proportion of loans they back to borrowers with small down payments, for example, and mortgages to deeply indebted borrowers.The regulator, the Federal Housing Finance Agency, says it wants Fannie and Freddie to be prepared for a possible economic downturn.

In some contracts, the buyers EMD is meant to serve as a liquidated damages in the event of a seller breach.