People were panicking about their roofs collapsing and willing to pay almost anything to get someone up there to shovel them off.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

My age is catching up to me after shoveling for 2 hours yesterday.

I would like to put my money to work instead of shoveling my money into the bank (mortgage) or to a landlord (renting).

Was it easier to dig the foundation with shovel, horse and scraper or with a track hoe?

A lot of my clients buying in FL are happy with minimal return but are buying for second homes, tax benefits, etc.I would stick with value add - with refi you can still achieve high CoC and a good equity position. 

Also, can I stipulate in the lease that the tenant has to maintain the lawn and shovel the driveway and walkways, or am I required to pay a vendor?

Also, you mention snow removal, is it ever the case that the tenant is responsible for some shoveling? 

My goal is to add verbiage within the lease that will decrease any tiffs between tenants for the common spaces and how to set expectations and promote group effort with cleaning the common areas/shoveling snow/personal dishes/shared fridge/laundry/having guests and so forth. 

Lenders don’t like uncertainty which is why they customarily want shovel ready sites.