The vast majority have. 

My current income is sufficient enough to cover my living expenses, live comfortably, and put a portion toward savings each month.

I switched to Baselane for banking and bookkeeping and it has vastly simplified my bookkeeping and prep for tax time.

The "wilkes barre / scranton" market is SO big contrary to what one would think - while it's not as populated as a city like Philly or Pittsburgh, those two areas cover a vast amount of land and each neighborhood has it's perks.

The value of individual agents within this framework covers the spectrum from the relatively incompetent newcomer doing this as a partime hobby to the vastly experienced professional with a knack for negotiation and an ability to find a market for hard to sell properties. 

I think it's important to note the Orlando STR market is vast.

GFH is just like a lower version with fewer features that are not sufficient to automate a Short-term rental business.You can also consider using Ownerrez, I'm not trying to run an ad for them right now but Ownerrez is a great PMS, and it has seamless integrations with different rental channels.

We have very good data about investors in Milwaukee, the vast majority is mom&pops.

$20,000 is not going to be enough to buy an investment property and have sufficient cash reserves in almost any market UNLESS you house hack or are doing a flip or BRRRR. 

Obviously land and new construction, specifically FHA construction, is not popular these days so it seems to be extremely difficult to locate anyone with sufficient expertise or specialization in this area.