As someone who lives in Florida I've got to ask, how? When thinking about finances and investments I often feel like I'm in my own bubble and I don't understand other peoples' situations, motivations, etc. So I'm genuinely curious. 4-bedroom houses near Orlando can be found in the mid 300s. With your income you should be able to pay in cash after saving for just one or two years (depending on how much savings you're starting out with). Even if you wanted something more expensive, are mortgages that difficult to get approved even for someone with such a high income?

You probably don’t want to buy a house there, anyway, what with all the insurance companies pulling out of the state.

Your rates are going to be sky high, assuming you can even get insured, which isn’t remotely a guarantee anymore.

Sell your house and move slightly further out of Orlando.

Or don't have a family size of 7+ and try to live in a city while expecting every kid to have their own room.