America legit has a housing crisis right now, and specifically the affordable housing market.

Two rentals I have, the water has to be in the owner's name.

We bought the house in 2021 and have a 3.5% interest rate. 

FHA owner occupied is a great opportunity.

Are you looking to get an investment property at 20% down or a primary residence you can house hack (rent the rooms in the house you are living in), or a primary residence (better for people who are married/have kids/don't want roommates) where you live in it for 12 months then rent it when you buy your next property to repeat the process.

Is anyone open to sharing referrals to a stellar property manager that covers South Tampa for my MTR House Hack?

Find a property you’d want to own where the owner is willing to sell with owner financing or subject to an existing loan.  

If they put up any sort of resistance, that could be a cue to start digging a little deeper and documenting a bit more thoroughly (hence the doorbell camera coverage tip I put first - installing the cameras right away and then having the new lease conversation with the tenants afterward is very easy to frame as "I'm just a new owner putting some TLC into the property and doing my due diligence on the leases/tenants"; talking to your residents first, finding out they have extra people living there who aren't on the lease, and then installing cameras around the property could set you up for a very adversarial relationship with your inherited tenants). 

I'm building a new MF house, targeting travel medics.

You have to go through probate if a person dies with a will and is the sole owner of the property.