Any one of these could and regularly trigger a special assessment.

You can potentially qualify for a regular rate & term refinance of the 91k loan (plus closing costs) within 12 months.  

Better tenant selection and regular inspections will stop this from happening.

I personally live off of what I refer to as MLS broker negligence.

Let me know if you’d like a reference!

Remember, they can always refer themselves😊Now, make it a goal to call at least 5-10 of these people EVERY day and ask a MAX OF THREE off the list below of who they know that:Just inherited a homeHad a loved one pass awayIs behind on their mortgage or tax paymentsHas a relative that can’t take care of their house anymoreHas a house they’re having trouble sellingIs facing bankruptcyKnows a probate attorneyKnows a bankruptcy attorneyetcWhy only three off the list per contact?

Regular channels for mortgage will not work....

If so, we finance SPEC builds on a regular basis, both single unit and multiple/subdivisions. 

I can't say for sure if the BP calculator offers such a calculation as your tax situation impacts how the depreciation will effect your return.By bonus depreciation I'm assuming you're referring to doing a cost segregation, if this is the case you'll definitely want to review your tax return to determine if you can even take advantage of a cost segregation.

And it looks like this thread has provided a lot of references to local help.