The bathroom layout will not change, only the kitchen will, where I have the plans drafted by cabinets.comThe only way for me to become a professional engineer is to take the FE, and PE exam, and test sites right now are closed...

An investment, if done properly, is an income generating asset that will grow your wealth.As far as choosing a market, Destin/30A/PCB is a tourism and STR hot spot, so there is data from several sources that you can use to estimate what you should be able to bring in on an annual basis.

Adjust any three of those data points and the PMNT amount will also adjust. 

The self sufficiency test only applies to 3 and 4 unit properties, not 2 unit.

The true economic (possibly physical) vacancy rateTo hedge this, I'm stress testing deal analysis with 10-15% (at least) off the ARV and rents and doubling vacancy. 

You are not going to get solid answer for your location and your properties from others. perhaps you want to do a side-by-side test with them for similar properties over at least 6 months. in addition, this pandemic and the following impact of it may throw things off for a while.

Their data comes from affiliated property managers and is typically considered the gold standard. 

The presence of such retailers ensures we compare affluent neighborhood nationwide.We can use census data to determine the areas that are growing the fastest over the period 2000-2015 and then see for each MSA in which postcode those retailers are located.Using Zillow home value data by postcode, it is then possible to retrieve the median price and rent per sqft and figure out the gross rental yield in those most attractive areas.

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Some data shows that rents have already decreased 6 to 10% depending on region and location.