They also have an F rating on the BBB website.

Because rates are high, sellers are getting flexible and makes more sense 

@Jarrod Acres Bank originated construction debt is fairly commoditized on rate.

Tampa Can Be a Good Option,it has great rental opportunities in neighborhoods like South Tampa, Tampa Heights, Seminole Heights, Carrollwood, and Brandon.Before buying, analyze costs like purchase price, rental income, management fees, repairs, and vacancy rates to ensure a good investment.Other Florida markets like Orlando or Jacksonville might offer similar benefits depending on your investment goals.

Some have flat rates, some have percentages, eviction coverage, etc. 

It's fast, cheap and easy, I cannot imagine why anyone would skip this......?

It depends on the absorption rate in your area right now.

Since you'll be living in one of the units, you can qualify for owner-occupied loans, which often have lower down payment requirements and interest rates compared to traditional investment loans​

AlabamaEffective Property Tax Rate (2019): 0.37%4Typical Home Value (2022): $189,9766Annual Taxes on Home Priced at State Typical Value: $702.9The current metro area population of Montgomery in 2023 is 374,000, a 1.91% increase from 2022.

Home prices / room rental rates ratios look good for a college town when applying the FHA Kiddie Condo Loan product with a house-hack scenario.