I run into this all the time, the major player's in the metroplex usually don't service the northern parts of even Denton County at times.

Hey-- I have spent a lot of time in Miami growing up and have also done a fair of amount of scouting for AirBNBs in the area.I feel Miami can be a good market, but you'll face a couple of issues:1) HOAs will usually not allow this in any building2) To do it legally, at least on the beach, you will likely need to buy in a Condo Hotel. 

What is the going interest rate (understand it is negotiable but is it usually above conventional rate or below?)

- How much should I plan to set aside for extra monthly income besides rent? 

Thanks for your time.Also I know I cant sign contracts due to my age, but I can do many other things that is usually a waste of time to agents or brokers.

Here are a couple ideas for you:comercial properties usually need 25% down and 6 month reserve funds.  

A good quality washIng machine like a speed queen with a coin box is the only way to keep someone from doing all theIr frIends laundry for some extra cash.

Would I half to pay extra because of the realtor or is it the same process when there’s no realtor?

There is usually the tax assessor office and the appraisal office, sometimes they are the same office.When you find the owners are listed at a different address, go visit them.

If I should spend the extra buck and install vinyl fence in hopes that it is less maintenance and will last much longer?