The obvious question you might have is, why the low occupancy?

Even paying it late they're obviously making an attempt, which is 99% more than most tenants would do.

We have owned 14 SF rentals and 4 apartment complexes totaling near 1,000 units, and over 17 year period we have been sued exactly once.We had a 350lb resident that missed the bottom step of the staircase, fell and hurt himself. 

The cost to do this just comes out of the total profit margin. 

I’m exploring the option of selling these notes and would love to get your insights on a couple of key points:Pricing Expectations:How much of the total principal should I reasonably expect to receive when selling these notes?

Totally useless for making go/no-go decisions, just like the average-only market stats from RedFin & Zillow.Stay away from AI, demographic data, and average-only market data/stats if you want to "make a data driven decision towards purchase", they are all too broad/meaningless to actually help make that go/no-go decision.

I turned it into a 7 bed house.2 of the new rooms are super useful to an end buyer and would bring us to a total of 5 (which would comp very well).

The bigger the reserve the better, obviously, but generally most recommend a 3–6-month reserve.Makes sense, thank you!

Totally emotional questions but I tend to feel that paying off a primary residence earlier is better because you never know what the future holds for you and your income. 

I made the layout more user friendly, added a whole wall of closets in the main bedroom, totally gutted kitchen and bath.