@Syed Lateef I guess if you bargain a bit ABT would be a good bet but I find it hard to believe they have the best pricing.

They will be your best bet in Florida. 

If you are, I recommend buying a small multifamily and house hack to reduce your largest living expense while building equity.I recommend talking to a lender (i can connect you with one) about the income fluctuation and see how much you can qualify.Your best bet is to get a owner occupied loan with 30 yr fixed rate.

I recognize most accountability groups (exception for the one mentioned above) cost less than $40k (however the cost is annual, versus the mentorship/training is one time), but why is it ok to pay for an accountability group and not a mentorship/training assuming the mentorship/training is decent quality?  

The average price per land for urban infill going 6-12 stories high on a higher density product is about 5 million an acre up to about 25 million an acre. downtown market premiums I've seen at the highest are 1200 a sq ft. in columbus you can get land about 1.5 million per acre downtown at best price, sells for about 600 a sq ft max, very little competition compared to miami. tampa I didn't really look at too much because miami has 22 zip codes that you can build at least 6 or 8 stories on and just a much better landscape than other markets. tampa is a little bit bigger than columbus but in my opinion more of a suburban market. miami is landlocked and very limited so everything is in redevelopment. both are amazing opportunities but the barrier to entry is much higher in Miami with the smallest plots of land infill going for at least 1.5 million I would say in areas like Wynwood Norte, Wynwood, etc. we looked all over but prefer east of 95 due to the condominium opportunities. multifamily is very strong in both markets but the condo premiums make it almost silly not to do one from the start and the use of deposits versus a single asset lease up and disposition is a longer sales cycle than the condo buildings being sold out prior to completion.

Your best bet is to find your local REIA, which you can search for on nationalreia.org. 

Also, when considering purchases versus refis, do you have specific criteria that help you feel more comfortable with the level of risk involved?

I'm going to bet that they either blocked or closed the vents in the  master bedroom and there isn't really a problem.Explain to them that you need to get it looked at and if they are not going to organize it, then you are taking matters into your own hand and doing it. 

Best bet is to come here and see how things are.

Your best bet if you want to know that is calling the Section 8 Housing Assistant assigned to your tenant and asking, they may be able to calculate what it would look like.