It’s cash flowing about $50/month after everything (PITI, flood insurance, home warranty, excess liability & termite protection) - if I got ride of termite it would cash flow $125.

Higher risk structures can achieve higher IRRs, but can also break even or even lose money.

Just try to sell it to someone else for anything so you don't lose all of your money.

If so, I don’t think this request is excessive at all.

Losing 60+ % of your population for a city of this size is unprecedented.  

VRBO is having a bit of a glitch right now and loses connection at times.  

A second mortgage or HELOC might allow you to unlock some funds without losing the 3.25% rate.- I recommend avoiding condos. 

So at this point, no, you cannot pass the cost on to the consumer - this would place you above market rent and you will lose money through vacancy.

If you go this route, be aware that you’ll lose payroll deductions—so you’ll have to track contributions on your own (see IRS Publication 969 for HSA rules).2.If You Own a BusinessIf you’re running an LLC or S-corp, you might be able to fund an HSA through that payroll.

At this point in time, I’m losing money.