I suggest you read them both.

As suggested you could also flip a house or two to generate the cash to buy a long term rental that will produce positive cash flow.

Anyone have suggestions for a portfolio lender in the St.

I would suggest getting with a tax professional to assist you since there's a lot of variability depending on your specific situation not only on a federal level, but with state reporting as well.

I suggest you find a local real-estate investor meetup, attend, identify an old-timer who owns a few buildings, and ask him how to go about raising rents and/or evicting tenants in your local market.Good luck!

Located in a prime area of Clearwater, FL, the house next to it is valued at $615k, suggesting significant upside potential.

But, i've spoken with some investors who wonder why their properties that are at market rent are "net less" than their properties that are not at market rent.Also, unless you are into the "cash flow" craze, generally long term rentals are building wealth through appreciation and amortization (i.e. the "good" power of leverage). 

Lack of financial acumenI wonder what percentage get into real estate with little to no money and spent most of it on a guru course - it’s no different then people who want to be a day trader or crypto miner or Amazon business.

I suggest you listen to free podcasts on land wholesaling, build a business plan, and then work it (Wholesaling Inc is a great one).  

But maybe timing isn't right on either side.Thank you for suggesting owner financing.