So she's just behind in her mortgage and probably has a notice of default or whatever the procedure is in Florida.Your ability to get a loan for the home has nothing to do with her payment history on the home.  

While competition hadn't changed dramatically, we noticed some of the competition had pushed up rents on other 3 and 4 BRs in the area.  

It's also common for the "cash only" advertisements to come from brokers or sellers who are misinformed.

If they are on the deed, the property is owned as 'tenants in common'.Is there a tenants in common agreement?

I've noticed some really extreme discrepancies between renting and potential mortgage payments which make me hesitant to buy a primary residence.My wife wants to move around 56 (not too far from the ocean), which I don't mind because it seems they have great school districts and we have young kids. 

It appears to be common in my area that an order is put in and the driver takes a check.

Most of my clients:1) Put 20% down for a conventional investment loan.2) Put 10% down for a second home loan3) Something else, either hard money, DSCR, or portfolio loans.These are the most common ways. 

The return on equity is probably very low considering they are paid off so maybe explore refinancing or selling the lowest performing one(s) or your biggest headaches to reinvest in more lucrative deals.I noticed you also used a metric of number of rentals to attain your goal rather than $$$/month.

(Luxury mansion or hosting your home while on a vacation)Have you noticed that your bookings are coming in a chunk?

Shortly after, I noticed another listing using my property photos but with different rent prices.