. :-)I would insist that she provide you a proof letter from a real Doctor stating said disability with the specific orders that tenant should not carry weight above X pounds.

Since you have the cost segregation study to provide proof of the value of the roof separate from the building, you can easily write off the $450,000 loss.

No proof of what your talking about etc.

Couple options that might be viable for you (I don't know all of your circumstances)- BRRRR into a DSCR by creating equity; partner closely with a lender before starting on this to cover seasoning and other requirements - also this will only work for an investment property, not a primary- bank statement loan/1099 loan may work if you can put at least 10% down and want a primary residence - will depend on how you're operating and a few other variables- seller financing; find a seller willing to carry a note for a few years- co-borrower; someone with decent income and credit who will be on the loan with you- DSCR purchase; be prepared to put down at least 75% or your rate/pricing will be horrible (70% is better); many lenders will have experience requirements; investment property only- find a private lender willing to fund the loan you need- get a salaried job relevant to your college coursework; your fico is strong and you have some cash, so househacking could be within reach via Fannie/Freddie multifamily purchase; get a solid workup from a competent lender before going this route as employment history will be touchy with this routeHard money can be used for an acquisition and rehab, but make sure your takeout financing plan is bulletproof before getting hard money.I'm originally from Baton Rouge.

As far as replacing your current interest rates of 3.5-4.5%, that is a bullet you would have to bite to pursue access to equity.

If the tenant can show proof that they truly belong there and are paying rent, the police wouldn't remove them. 

Proof: Go find a landlord who bought in '18' and prior and ask them how there doing.   

Now you have both and a more diversified position than either index fund or RE alone. i have no idea why you keep using your unleveraged example as proof.  

The challenge will be “proof” on your part that you shouldn’t be held responsible for items.all the best!

I was looking for reviews on wealthability.carol @Carol LamSearching the forums using the magnifying glass at the top right of the page you can find a lot of conversations about Wealthability.Here is a 142 response thread on the topic... there are many more also:https://www.biggerpockets.com/...