But its like driving your car without insurance...not worth the risk these days! 

Coming to commercial lending, can I do refinance as normal property or getting approved for commercial lending is difficult?

That, of course, is going on all over the US as a part of making communities 'walkable' to lessen the car travel. 

@Ryan WilliamsonThen just skip the llc and get a normal mortgage in your own name.

You could tell the tenant during lease signing that you normally offer lease renewals at 5% increase.

Normally, the balance to the Replacement cost is paid after you actually do the repairs or rebuild. 

Along with that, when it's tied to a ZBA, all of your normal banking deposits/idle funds are automatically swept directly towards your remaining balance.

As soon as we get "closer to normal" they will resume again.

The COVID cheap rental market is gone by now, they’re listing lower than normal value and getting bidding up higher than rental list price.

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion