Further complications.

Another reason is potential legal complications if your relationship sours, and your tenant turns against you.

Here are the official details from the Florida Department of State:https://dos.myflorida.com/library-archives/research/florida-information/business/starting-a-business-in-florida/small-business/dba/You will also need a BTR - business tax receipt - from the city:https://dos.myflorida.com/library-archives/research/florida-information/business/starting-a-business-in-florida/small-business/dba/Creating an LLC is a much more complicated and expensive process, for which you might need an attorney, considering that you have a partner.

An anonymous land trust (here a land trust is a designation municipalities & govt use to protect land from development and would be useless) would have stopped my ability to utilize customary loans with the best terms and lowest costs, in any form.There is a cost to complicated asset protection schemes. 

It's not really that complicated to buy out of state.

SDIRA is bit complicated and restrictive ...someday may want to sell my house and live in one.

Don't make things more complicated than they need to be.

Things can get a lot more complicated as you expand your portfolio and begin to tie in other investors, which is when you would really want to tie in an attorney to draw up strong operating agreements for you. 

Perhaps I'm making this more complicated than it needs to be? 

No disposal/separate sprayer for faucet/water filter or otherwise complicated under sink drain work, I take it?