I'm no longer active in Ft Lauderdale but grew up there and have an extensive network.

And with the interest rates we're seeing these days, It's doubtful that you can get a superior enough return on a purchase with a refinance to offset the decreased performance on your old property caused by the refinance.But what is attractive about 1 and 2 is that there is no debt. 

I would most likely be using a turnkey for help if I bought property in FL and of course have no experience with those either.

With DSCR loans, Florida requires that you borrow within an entity, and as such, your spouse has no ownership or legal recourse (even though it is considered a spousal state).

Interest rates priced buyers out of the market because the returns no longer made sense. 

Cash-on-cash return for this home is 20.50% and the estimated time to recover original cash invested will be4.88 years if rent remains the same and no major expenses occur.

No shared walls (for privacy) but still multi-family to satisfy your house-hacking itch.

No boiler but it a bottom unit so not hard to do boiler but in also want AC for this hot summer Quote from @Jack Krusinski: Hi Damein.

I got a quote from a surplus lines for $600 for 3 mos. with a $1K deductible which makes no sense.

....no.