I'm looking for a Single family home to hold and rent, no more than $130k.

No more moratorium.  

First, no more liens will be attached to the property.

., properties that you can buy for no more than 100x monthly rent.     

However, at 71 I'm looking for more passive income and no more in the trench stuff. 

Didn't they used to say that a home should cost no more than 3x your annual income?

This area is up and coming since there is pretty much no more land available in downtown to build on and the values in Downtown Miami/Brickell continue to increase. 

@Melita Costoso, if YOU owned this property, would YOU sell it for no more than your own cash Offer?

I use a GC/Builder on my projects.For my, I want my total costs (land, construction, holding costs, finance cost) to be no more than 85% of the final appraised value, with a goal of 25%.  

Unbeknownst to me when I did the blanket 5 condo loan it put me over the 5 financed property limit ( I had thought commercial financing didn't count), which has made conventional financing on anything other than my primary next to impossible.I was looking into doing a HELOC on my 4-unit primary and found a group PEN FED that will do a no cost, interest only HELOC @80 ltv with no appraisal as long as the loan amount isn't above 250k.They actually do HELOCs on investment property, including condos, but only if you own no more than 3 properties including your primary.