I'm getting good results for our clients with postcards and some paid ads, but I'm looking at implementing cold email and cold calling as well.Any good companies to buy lists from?

That’s gambling, not investing. for those not familiar with what Mello Roos is.. its a Bond that was floated to pay for the infrastructure cost of the subdivision and is added to your tax bill by the county..

These charges have added up because of all the things that have had to happen as management of the property changed hands. 

You as the host take the risk in loss income by not adding extra rooms.

I see your point; adding more units could be worthwhile.

Or is qualification your main preference 1-4 unit fha conventional loans will qualify off DEBT to INCOME or DTI while commercial portfolio loans will qualify off DSCR or debt coverage service ratio (this assume you’re not going to live there if you’re going to a credit union).So you asked a loaded questioned but I gave you some questions/answers to think about if you could provide more information perhaps more commentary can be added further.

They could be a reservist but on active duty orders which is just AD for a time but can be extended.

A lot of times when you make a bedroom out of a room, but your square footage is the same, you don't end up adding much to the home.

Adding a door on the shorter side also gives tenants layout options for storage.

Purchasing at a value price and adding strategic renovations created significant equity growth.