However, love the south Florida market, the job market is strong and continuing to grow.

I have a background in finance and my full time job is in insurance, but have always been interested in using real estate as a wealth building and passive income tool. 

(i know it's their job to show me listings) given the situation i just went alone.

They do not tend to like working with newer buyers needing tons of help buying smaller properties for a lower commission check.If you can be more descriptive such as your net worth and liquidity, annual income from job or business, total global cash flow, asset type, deal size, LTV with amount you are looking to put down, area, cap rate expected, fully stabilized or value add,etc.All of these things a good commercial broker will KEY in on to see if what you are wanting to do is readily available or you are looking for a needle in a haystack or wild goose chase type thing.If you are looking to find above market cap rates there are REIT's, pension funds, insurance companies that buy hundreds of millions a year in properties that I can call to purchase in 3 to 4 weeks close all cash.

I’m 23 and married with a 40 hour job that I would love to leave some day, I have $20,000 saved up with no investing experience.

I had just gotten a new job, and this proerty was a 10 minute commute from the job and well below what I was willing to spend.

The house is near 100 years old and a prior owner did a good job covering up foundation problems, termite damage, to include electrical and plumbing problems. 

Paying off your mortgage is your tenants job...not yours.

As Jason Lee mentions the comps you provide (in hand, printed) will help give the appraiser confidence that the price they’re giving isn’t unrealistic, and hence they won’t get questioned about it by supervisors or homeowners

Both my partner and I have full-time jobs and we are looking to grow the business on the side.