most builders pay a flat fee for MLS access and then hire in house. that's what I would do. 50k for a person to sit at a desk. rent a trailer and stick them there for 12 months or 24 months. take the difference 

The difference is the land and finishes.

Anyway, I think for the most part, this will benefit investors and I’m sorry you had a hard time with vacation rentals but I expect Cape Coral is likely a very different market than many in Florida and wouldn’t make a blanket statement on the Florida vacation rental market being terrible. 

What are the differences between delayed financing and cash-out refinancing? 

There is a big difference.

What differs is if you use an attorney- those costs vary greatly.

Does the difference matter? 

Inevitably you have to clean a little different if they have a pet so that costs money but if they haven't destroyed something then $300 is a little steep.

We learned that placing a tenant on an MTR is a much different process than it is on LTR's.

You will get different answers, and likely have to pay (consulting isn't free!)