It's always a good idea to speak with multiple lenders and compare their offerings before making a decision.I DM'd you with my info in case you'd like to get a quote from me as well, we're pretty competitive :)

@Theo Van Soest I like the 32205 zip code as well as 32211 if you can find a good deal there.

Curt,I live in Florida as well down by the Gulf Beaches in Saint Petersburg.

Especially since you came from a HCOL state as well. 

I highly suggest you have an account for maintenance as well. 

They've performed well and expenses are extremely low.

I have yet to come across any CRM that's all-in-one, that did everything well.

Well, the work itself doesn't get easier or less time consuming if someone else is doing it.

Colorado changed from selling liens and issuing deeds to selling liens and then auctioning off deeds as well.

The PM should have done a walk through AND taken photos after the last tenant moved out and again done a walk through with the new tenants.