Once you have been in this game and have leverage you can take on more risk as the impact will be smaller.  

@Fran Arti Nope...CapEx reserves and/or expenditures do not impact NOI.

But there are opportunities for people to have a real impact.

I'm not sure if that will impact increasing the line.

Especially with the real estate market potentially correcting in the next 6-12 months my gut tells me this may be a good idea.Keep in mind that in order to take a distribution or loan under the CARES Act you must have been impacted by the virus in one of the enumerated ways & your current account provider must allow you to take a CARES Act distribution or loan.

However, ironically, now that I'm at the point I can choose- I'm choosing to continue working because I'm apart of a great company, have challenging work, and feel I am making a positive impact.

Any advice on improvements to the apartments that make a big impact without overspending?

You have access to other people's money, you don't impact the equity in your property (i.e. future wealth), and you have a revolving door, so you can use the money, pay it down, and use it again for as long as the bank leaves it open.Moreover, if you live below your means as a lifestyle, you can build equity into the properties you buy at a much faster rate by chunking payments.

I think Boston market is probably one of the worst performing rental market due to Covid-19's impact on schools and international students. 

Some questions that’ll impact SF pricing: Dirt floor or concrete pad, Fully enclosed or open, if enclosed-insulated/heated/electrical/siding/interior finishes, what’s the clear height, what’s the span between columns?