Even if, say, the roof needs replaced, but it isn't currently leaking and keeping you from renting the unit, then you can punt that option, at least for a bit.And I also second Rob's take on going straight to the contractors.  

Its a 3 unit row-house built 1900, pretty good condition, newer roof and water heaters, not sure of other stuff.

We believe the property could have been appraised for ~$115k (new medal roof, new HVAC, floors, fixtures, new sheet rock throughout).

I re-financed my property today that I used my business lines on credit on, which finished the BRRRR method for this property.Rough DetailsPurchase Price: $30,000Rehab: $20,000Fees paid transferring money through cash app: $338.85Holding Costs/Utilities: $675.00Closing Costs:$1000.00Total Money Invested: $52,013.85Appraisal: $80,00065% Loan: $52,000Money Left in Property: $13.85ROI: We could do the math on $13.85 but lets pretty much call it infinite at this point.The coolest thing in my opinion about this method is that I'm left with a home that has a brand new roof, AC, and an entirely renovated interior.

Multi family is through the roof, as I'm sure it is in your area as well.

The building has been extensively renovated by the prior owners in 2022 including new heat/ac, appliances, flooring, kitchens/bathrooms, roof.

If you are working on roofs in bad weather you might long for a way out and becoming solid financially is the way to do it.

A contractor can help yes when it comes to looking at it and telling you how much or what you be looking at if you want to upgrade or fix something visible but you need the inspector to check out the roof AC and plumbing thoroughly despite what it looks like in person I’ve seen mini jacked up ceilings.

For a lump sum, I would have 20-25k set aside as a just in case. 10-15k is ok, but if a furnace breaks and you need a new roof, that is done and over.Basically, have as much as you can, and never below 10k.

Everything passed except for the "secondary roof" which consists of a membrane roof over an unheated, patio "room" separated from the man house by glass sliders.