I'm in Charlotte employed 40 hours plus.

The Sarasota county tax collectors should have all the approriate forms, and generally the employes are helpful.  

By the way, the only screening I do is criminal record and proof of employment.

Perhaps it was the method he employed to make the money, not the fact that he made $11M.

For example, a full time employed person may not be able to see the property and apply until after their work shift, while someone else may have more flexibility and be able to beat the others to get their application in first.

Since you have no steady income maybe consider partnering with someone that DOES have stable employment that is looking to invest.

Thanks for advice , still considering either DIY or using agentOther question I have: my condo has HOA which does  credit,employment check before approving tenant and charges $100.  

Obvious reasons:Bad credit history, evictions, judgments, criminal record, not enough income, bad rental background check.What about:short employment history, no bank account or short banking record, short or no rental history, what about rental history being with parents?

Considering employer (5-6%) match and time on the 401k, the 10% may not be as big of a deal when its used to pay down 5% debt.  

We're both self-employed, and I assume reno loans will be harder to come by.