Hello everybody,I am looking to change my personal CPA and I would appreciate some referrals of local CPAs, preferably in Broward County, Florida.

At that point you pivoted to AirBnB, and you say that is sometimes covering the mortgage.I personally don't see a reason to stay in the house.  

A cookie cutter first deal looks like:Purchase: 65k - 90kRehab: 50k - 75kARV = Project Cost/.7Neighborhood: B or betterRehab type: cosmeticAvg Days on Market in zip code: 30 or lessThat's an example of a very safe deal for a lender to fund for a newbie.For a 0 experience expect to pay 11.5%+ in interest.Keep in mind the cost of a project's lifecycle. 

Say someone has $20,000 cash and its just sitting there, and cant be used for retirement accounts because they are maxed, and the person has no debt.

I personally only buy STR'S where I would want to go on vacation. 

We had personal savings and put down 5% with a conventional loan.

Trash, miscellaneous such as water charge for a water leak, umbrella policy or other asset protection, book keeper/tax person, etc.  

While I haven't personally experienced a tenant causing major fire damage, here are a few thoughts and suggestions based on what I've learned from the BiggerPockets community:First and foremost, I hope everyone is safe and unharmed.

TSAHC's down payment assistance programs can be great options to assist qualified homebuyers get into a home that they might otherwise not have the available funds/reserves for.There are also a few other down payment assistance programs here in Texas as well that are worth mentioning:- TDHCA (Texas Department of Housing and Community Affairs) offers the Texas Homebuyers Program with a couple down payment assistance programs. 

I’ve seen where NC has partnered with municipalities to provide federal or state funding to bring public water/sewer to under severed areas.