Because of my real estate career , I will Not be able to qualify for a "traditional" loan UNTIL I have 1 year under my belt in Florida.

The other options could be seller financing or all the non traditional stuff.Housing crash stuff is anyones guess.

First piece of advice, if you're planning to buy a property in the next 24 months with any type of traditional financing, do your best to make that happen within the next 6 months.Lenders get really uncomfortable about making loans within 6 mo. of your exit date, and once you're out, you'll have some difficulty getting a loan without "steady" job history.Chad Bowman out of Austin will be your very best resource if you plan on using a VA loan.

Hopefully that makes some sense.By focusing on getting title with little to no money rather than by utilizing debt, are you suggesting things like seller financing rather than traditional bank financing?

He is looking for cash so I would have to do a traditional purchase which I would want to then lease option.  

Options so far are concrete block or wood frame (the traditional choices) or SIPS.

The properties are not within an LLC because they are traditionally financed.  

Even if you are able to obtain traditional financing, be careful speculating a 20k profit in 1 year.  

My wife has perfect credit, but an insignificant income, as she only works 4 to 5 months out of the year as an Air Force Traditional Reservist.  

Its a little harder than the traditional way but nobody cares what you income is in the investing world.