If I determine that they don't meet the 3.5 times rent in gross income, or they've been evicted, or if they can't see themselves renting a place where they have to shovel their own steps, or they aren't willing to provide a fridge, or if they simply refuse to answer my questions, we're done in 10 minutes over the phone and both parties save the time of doing a showing.In theory, I like the idea of open-house group showings.

@Arturo Gouro what areas of FL are looking to purchase?

One tenant opted to move out and i got a new tenant a month later for more than what i was going to raise on the old tenant. the other tenant decided to stay and i came down $100 a month for him to be responsible for taking out the garbage and shoveling the snow over the winter. 

NV, TX, DE, WY, even AZ and FL are stepping it up. 

Daves not always right, but you do have way too big a shovel to be putting off paying that measly student loan debt.  

You either dig with a spoon or a shovel but what matters is that you're digging, but the better the tool the better the result.

How do you tell a disabled tenant that they're responsible for doing minor shoveling?

I currently live in NJ but am looking to move to FL. Are

Most of the banks in my area (Miami, FL) are only willing to do 70% loan to value. 

You really going to drive an hour (or way more) in bad weather to shovel?