Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Should I be paying sales tax to sub contractors as owner builder, so use reseller certificate and then collect tax from ME.

Do you have collected any certified letters of tax notices sent by the local tax collector?

I’m just focused on discovering FOR LATER if it’s a criminal offense for the lender (and borrower) to inflate the payoff for the sole purpose of collecting more $ especially now that it never closed and the prior lender refused to even assign me their lien and the borrower had already used some of the money so OFCOURSE the lender wouldn’t send the money back or they’d be out the extra $ they sent to the borrower that was already used. 

I benefitted from rent inflation, but I also did some things that would help improve net cash flow (appealing property taxes, for example).Happy to send you some resources with more details on how I accomplished it.

Ty listed a lot of resources for selling whole notes.  

Welcome Scott,There's a ton of useful resources here on Bigger Pockets from calculators designed to show profit/loss to seasoned investors giving advice.

Network with investment groups and podcasts for additional resources.

Good luck and feel free to reach out if you think that I can be a resource.

Don’t hesitate to ask questions, share your journey, and dive into the wealth of resources available here.