Roof and HVAC are in good condition.

Market value typically refers to the price a property would likely sell for under current market conditions, while property value can sometimes be an assessed value for tax purposes or an estimate by an online tool.If you're seeing a significant drop in your property's value, I’m guessing you might be using Zillow.

I don’t know about Ohio but here in California a property must have a heater to be habitable, however air conditioning is entirely optional.  

These "investments" were pure speculation driven by a set of economic conditions which no longer exist.

(I do have written notice of with Condition Report). 

The lender has required a 'Prior to Docs ( “PTD” ) Condition':"Business Verification Needed - Broker to obtain a CPA letter to confirm the borrowers current business waspreviously filed as sch c and confirm how long been in business for."

Instead of going through banks or credit unions, this method involves borrowing money from private individuals or organizations.A major benefit of private money lending is the flexibility it provides in terms of loan conditions, interest rates, and repayment schedules.

This could even make more sense to you given that you already invest in Puerto Rico and therefore might not want to more exposure to sargassum on the Caribbean side.You can get a mortgage but the conditions are much less favorable than in the US and rates are in well in the double digits.

Any REI advice or recommendations for newbies are welcome and appreciated.Criteria:Location - We'd like to get our feet wet locally in WI but open to venture out if it makes senseProperty Type - SFH, MultifamilyProperty Condition - Turnkey & Cosmetic repairsInvestment Strategy - Buy & Hold, MTR

My kitchen is in pretty good condition, but has telecom ter top.