So how are banks, lenders, and investors navigating the turbulent waters to mitigate risks and seize opportunities.Banks' Resilience and Caution: Despite reports of office towers selling at steep discounts, major banks have managed to dodge significant losses in the face of mounting defaults.

The  unit is rented consistently and is functional but also needs upgrades, new siding (has 2 layers), Some rooms could benefit from re-wiring and more insulation,   Painting is always an issue as it is not plaster but older thin wallboard. kitchen is fairly new, bathroom could use upgrade, upstairs bedrooms have some pitched ceilings but I don't think based on the foundation/construction it is a candidate for a full second story and it had a new roof a few years ago.

Ins is through the roof as well. 

I purchased a 3/2/2, 1366 sqft rental home built in 1986 (roof 8-10 years, no pool, smoke alarm, etc) in May 2023.

No... we replaced the roof, why put in a crappy hvac?)

You can get rid of many of your annoying little 'old-house issues' by buying an existing house that needs repairs and literally doing everything: new plumbing, new electrical, new drywall, new roof, etc....

There will be a lot of no's but there are still ways to get them talking (it's in scripts - "Not even for $$$", I'm not calling to lowball you or waste your time", "I'm really just planning for my next one in the next 3-6 months"Get to the details like Capex - age of roof, furnaces, water heaters, central ac units, electrical, any recent updating in kitchens or baths.

My wife’s stress level has been through the roof.

House was built in 2005 so haven't had too many expenses recently (replaced water heater 2017 and HVAC 2018), but it will need a new roof in a few years, I would guess. 

It doesn't take too much to live with a great deal of creature comfort when you don't have to pay for a roof over your head!