I originally intended to buy a house in the range of $180,000 - $200,000 but my step-dad said that I wouldn't want to be "house broke" so I ended up getting this place and decided to fix it myself.

Disney World is my market and yes maybe you can find it for that price range but it won't be a good location without HOA

They are QNR, 30-year FRM, with LTV's ranging from 30%-75%. 

I most recently got a 20-year at 4.75% for a home in the same price range as yours (bought for $65k and appraised for $83k). 

Rates will likely be in the 5.25% - 6.75% range if your FICO is 740+.

To compare, non-bank lenders, that focus solely on investment property financing, would be in the 5% - %5.75% range depending on whether it's a cash-out or rate/term and what kind of property it is (condo, townhome, SFR, duplex, etc).

Those that I discussed this with, going all cash, said your returns based on today's pricing are in the range of 2-5%.

If you select a market with population growth, jobs and wage growth, a balance between supply and demand and a diverse range of employers you will do just fine.

On average, refinance closing costs range from 3 percent to 6 percent of your loan amount (again, depending on your location and your lender).

Narrow your range inside the city for more accurate comparables.