Something to consider is to "donate" a portion of the rent they can't cover if you need a tax write off.

1.Explore tax incentives or financing programs: Look into potential tax incentives or financing programs offered by the local or state government for affordable housing developments.

Finally I'd pay a professional tub reglazer 200-250 to reglaze the tub white and maybe have him also reglaze the entire surround while he is at it to cover up the cracks and imperfections. most reglazing jobs by guys who know what they are doing last 3-5 years.

However, Florida generally has lower property taxes, which could be a factor to consider.While you mentioned your interest in multi-unit investments with seller financing, it's important to keep in mind that this can be a complex area.

Helped us pay off the mortgage, now we are paid to live here after paying all expenses like taxes, insurance, utilities,  internet,  etc👍 

This has to be one of the least friendly states to be a landlord, and the taxes are high.

It will be a business and will be taxed as such.You will need to get with a CPA in order to quantify those differences.

And when you finally decide to get serious, she will disappear because the reason she stopped paying you is so she could save up money for the next sucker. 

Have considered bank note investing, tax lien/deed investing, loaning it out, etc. 

(BTW, I have excellent creditworthiness). 2) Tax confusion: The interest expense might be tax deductible.