Quote from @Mackaylee Beach: Vinyl flooring is my top choice for achieving a clean, modern look at a lower cost.Its versatility and durability make it an ideal option for various rooms, from kitchens and bathrooms to living areas and bedrooms.

Attempting to collect from someone who has no incentive to pay will drastically lower your chances to actually get the agreed upon money. 

Many people usually start off with house hacking where you purchase your primary and rent out the other vacant units/rooms to lower your mortgage payments.

It's lower leverage, higher pricing requiring a solid exit and good credentials. 

The reason we do that is because people are on love with their spreadsheet, but need a reality check to see, feel and smell what a lower prices property looks like - in particular the condition. 

Has anyone had any success negotiating a lowered payoff for a medicare lien on a property headed for foreclosure auction? 

This would make it into two, two bedroom units with the intent of making them long term rentals.I'm guilty of having a lot of projects going at once so my focus right now is bringing the cottage to a point to refinance out of the private money and either make it our primary residence for a year for the financing perks or to go straight into a short term rental.With the four bedroom house I'm trying to decide if it's worth splitting into two units or if I should keep it a four bedroom rental.The cottage I'm also tempted to do mid term with to lower the turnover and maintenance but open to suggestions.The third property I'll probably just let the current renters pay the mortgage for the time being if I'm able to acquire it anytime soon.

The 1031 exchange would allow you to indefinitely defer all of the capital gains taxes and use it to purchase multiple newer properties with lower capital expenditures, in a better market. 

I lowered the price of both even more and was able to find a tenant for one of them, will see what happens with the other!

(I’d prefer you found a way to put down 20% and save the PMI as well as lower mortgage origination costs and on going interest costs.