After reading your comments and all the additional research I'm leaning more towards the franchise.

This is a pretty weird question, I know, but I am curious.I get that you can do deals pretty much anywhere, and there are good deals all over the country, but I don't believe that the markets are equal in this regard.For example, if the seller has the ability to look at your credit as an investor (which throws out one of the sole purposes of doing a seller finance), versus states/markets that don't require that as much, I would like to know the states/markets where owners checking your credit history is not going to be prevalent in a deal, assuming the seller is willing to do this kind of deal with you.For context, yes, I am a new and aspiring investor, and due to certain circumstances, my credit is currently not the best, but I don't want that to stop me from investing in real estate (which is why I'm leaning to using seller financing).Please no answers saying that I should just raise my credit score and get an FHA/Conventional loan, because I am currently working on raising my credit, but I can't give a time on when my credit will be "back to normal" again, which could mean I could be stuck on not qualifying for a loan for the next couple of years (ain't nobody got time for that).Thanks for the help!

It's crucial to conduct thorough market research, analyze potential properties, and evaluate their financial performance, including cash flow, cap rates, and projected returns.I recommend working with a local realtor familiar with the South Florida market to help you navigate the area, identify suitable properties, and provide guidance based on your investment objectives.If you have any further questions or need additional assistance, please feel free to ask.

A direct booking site still has to process a credit card payment.

I also pay for utilities for two units since they are not on separate meters.My additional question is: can I/should I raise the rents the $75-100 I would like to, ask for a pet rent, possibly ask for a pet deposit, and then also charge a flat fee for utilities for the 2 units I pay electric and gas for?

Because you’re getting within 12 months of leaving the military, many lenders may want to see info on your next job for income.In addition to the VA loan, check out the NACA program at NACA.com.There are many lenders.

Additionally, basing the loan amount on past below-market rents seems unfair, as lenders should consider current market value and potential rental income.

According to the PMC, they do background checks, credit checks, past rental checks, the works.... problem is these tenants are serial renters.

@Chris DawsonHere's an article with additional FAQs on cost segregation studies that you may find helpful:https://www.biggerpockets.com/forums/51/topics/1113749-cost-segregation-faqYou can definitely perform a cost segregation study.

Do a home equity line of credit, and use that money for our next investment.