If you have it at 399k, what are the rents of the two units now, when do the leases end, and what is the expected rent of the vacant unit? 

Makes me think the 7.00% with a points (it was a fraction of a point, but still) is the anomoly and I can do better.

Here are some areas in Texas and Florida that are currently attractive for real estate investment due to economic growth, population increase, and urban development:In Texas:Austin:Reason: It's a tech hub that continues to attract major companies like Tesla, Oracle, and Apple, driving demand for housing.Opportunities: Residential properties, multifamily units, and commercial real estate.Dallas-Fort Worth:Reason: This is one of the fastest-growing metropolitan areas in the U.S., with a diversified economy and a strong job market.Opportunities: Multifamily developments, long-term rental properties, and flipping projects.Houston:Reason: Known for its oil industry, Houston has diversified its economy into technology, healthcare, and manufacturing.Opportunities: Commercial and industrial real estate investments, as well as residential projects.San Antonio:Reason: It's experiencing continuous infrastructure growth and is more affordable compared to Austin and Dallas.Opportunities: Affordable housing and expanding development projects.In Florida:Orlando:Reason: Orlando’s tourism industry continues to drive growth, alongside its rising status as a tech and medical hub.Opportunities: Short-term rental properties, multifamily developments, and new residential construction.Tampa Bay:Reason: Tampa is experiencing a population boom and is considered one of the best places for job growth in Florida.Opportunities: Waterfront properties, new housing developments, and commercial real estate.Miami:Reason: As an international business hub, Miami is attractive to both investors and high-net-worth individuals looking for luxury real estate.Opportunities: High-end residential and commercial properties, luxury condos, and fix & flip projects.Sarasota:Reason: Known for its beaches and quality of life, Sarasota attracts retirees and families, boosting its real estate market.Opportunities: Residential developments, vacation rentals, and waterfront properties.

The surplus was $63k, that check is on it way to me now.

How do I start the process to make it legal?  

I would like to do the state filing myself, because its easy and cheap.

What would you do in my situation?

However, since you're planning to buy a single-family home to live in, it would be considered your primary residence.

The BP calculator has a couple of quirks, but it's good enough to get the job done. 

At first glance it seems like decent neighborhood but any insights and experience would be super helpful?