I don't know the Orlando market but I do know FL has very high insurance rates, much higher than Kansas City so be sure to factor that in to your analysis, I do know Kansas City very well and can tell you that it has a good combination of both good cash flow and strong economic and demographic trends.

For example, if you select a Solo 401k provider which allows for voluntary after-tax contributions and in-plan conversion to a Roth sub-account (and you have sufficient self-employment), you would be able to make a combination of Roth and voluntary after-tax contributions for 2019 which would result in up to $56,000 (or $62,000 if you are 50 or older) in your Roth Solo 401k sub-account.  

Most foreclosed homes in our area is now through a combination of bidding and mls through an auction firm with a local broker presentation.

I could propose to them I rent the downstairs room for $800, and the couple pay $800 each, $1600 combined.

Hope we can all connect and combine our knowledge.

Somebody tries that crap on me he’s leaving the building with more holes than he came in with 

Alot of crap, but 5-10% are incredible value and even long term contacts who I give a lot of work to.For renting, well, no, and it's on you for even trying that route. 

from living in the basement while renting out the upstairs just to “save save save”  to combining property with my next door neighbor in order to build high end townhouses.

I use a combination of a few different applications.

I will bite...if you can go conventional loan, the max dti will cap at 50%...off 140k combined annual income, roughly 2692.30/week or 10,769.23/month...using 10,769.23 monthly, I would guess the sum of all your debts cannot exceed 5300/monthly (and some change)...if you already are at 3100, I would guess you have 1900 available monthly for debt service on your house...the lender will use the lower borrow's middle score.