So the only thing I can think os bust my *** to pay off some of this debt to at least be able to afford payment of a property for vacancy.

My recommendation is also get a pre-approval to see what you can afford, then define your investing goals, then pick your sub-market.

There is a lot of new affordable cheap housing, I am a real estate broker and mortgage broker so i have a few clients with some pretty good size portfolios of homes/condos in the area.

ManageCasa is affordable and is very strong on the accounting side, you can automate everything and it's cloud-based.

For example: The following personal property shall be conveyed by Bill of Sale for the property known as __________________Then list what is included in the sale (this can be done during your due diligence period, but to be signed at closing by both buyer and seller)The mobile homes: Cavco 14x64 Model XXX, office equipment like the computer, printer, desks, file cabinets, landscaping equipment like: John Deere Serial/Model XXX, EZ Go Golf Cart Model XXX, landscaping tools and equipment, stoves, fridges, freezers, patio and dining hall furniture, etc. 

AZ is the most affordable of those two, as there are strong markets like the Phoenix area that have a wider price range.

Governments have laws telling them to build affordable housing.

Just for discussion purposes.I picked this pic off the internet.It looks like a lot of "Hoarder Houses" decor style.Busy carpet, busy furniture, paneling, faux rocks on the walls, flat paint.I can smell the cigarette smoke just looking at the picture.But I wonder if you owned this place, as either a flip or a rental, or AirBnB, would you rip everything out and paint it all grey and modern.Or do you think pic 2 is acceptable and cheap (quick) way to do it.Tear it out to the studs, or just light cosmetic changes, or something completely different?

I also know that the lower prices to be found in NY have a lot to do with there being older buildings, higher property taxes, tougher neighborhoods, less appreciation, etc. which I know I will need to incorporate into deal analysis accordingly and understand the risk of.Summary: I feel that with having to put 20% down (FHA loan house-hacking is pretty much out of the question in NYC due to the astronomical prices here), buying a property in New York may be more attainable with my current savings and would allow me easier access to visit the property, however I don't think I could afford the quality of property I would like (close-ish to turnkey) in Florida.

If your price point is about 2k you are probably best served putting it on the MLS as most of the people that can afford that rent are often going to become buyers and will be working with an agent already.