I would also like advice on buying furniture, should I be buying their bed, night stand, etc. or leave empty for them to decorate? 

The regular stores like Ashley etc won't do.Any suggestions on techniques/strategies/stores to buy "unique" (aka : artsy, antique etc) furniture without breaking the bank?

As we all know, this affordability crisis is making it difficult for first time home buyers (such as myself) to get into the market.

That gives him three months to find gainful employment and ensure he can afford future months, and it gives me a double deposit in case it doesn't work out and I have to evict or something. 

You think that the properties in Florida will continue to appreciate and I am seeing that we have reached a plateau in price with the ability of First Time Home Buyers to afford a house in Tampa.

The goal is to make good affordable apartment in a good city.

With 13% appreciation in 2020, and rent rates that vastly exceed a mortgage payment, if you can afford to buy, you should. 

I can't pretend to understand why a bank will refinance my purchase once I own a property, but they won't finance before I own it, yet that's been the case every time.If you want to buy property without a bank because you have cash on hand, find properties that you can afford with the cash you have or can raise privately.

There are many reasons for this - real property will almost never fall to zero, cash-flowing assets that also appreciate are ideal for both income and wealth-building, and there are many tax advantages afforded to real estate investors that aren't available with investments like stocks and mutual funds.

Costs of furniture, gas/Lyft/Uber, hiring handymen to assemble furniture takes a lot of money!