I guess the purpose for this is to help fund community improvements and maintenance though it's a bit unusual since HOA fees and property taxes typically cover these.

Quote from @Eric Prescott: Yes, I understand that appreciation often means less cash flow and good cash flow typically means weaker appreciation, but there is a sweet spot where there is decent appreciation and sufficient cash flow to cover expenses so that the property pays for itself, and that is what I'm honing in on. 

Open carry: might shy away buyers.Conceal carry: well, most situations with gun fire escalate to the point you can fire or find cover before you need to draw.I used to get called a "stoner" because a bunch of prepper shows said carry a lighter and i always had one at work.Guess who almost dehydrated and died next to 4 ponds soon after?

Is there any way to get PennyMac to lower the payoff amount, at least to just the principal amount, enough to cover the partial claim, satisfy the mortgage lender and be able to afford to relocate my family (I only need $7,000 to $10,000 to get a vehicle/uhual and move my family, and that includes the new place)?

It would be great to connect with those who have already covered some distance on a similar journey as well as those who are just starting!

DSCR stands for Debt Service Coverage Ratio, which is a calculation that determines if a loan's income covers its annual debt service. 

@Shannon Mogilinski which areas do you cover? 

After 8 years as a director in the kitchen and bath retail space, I'm bringing my positive energy and relationship building to a wholesaling firm covering Los Angeles and San Diego counties (we specialize in single family homes priced between $400-$1.7M).

I got them to cover one of my rentals in Jacksonville that has a 1996 roof.

I didn’t think it was tenants because it’s a multi unit property so not sure who would cover all four.