Talk with your lender about this proposal...  1) Get a solid quote on the roof replacement and share it with your lender.    2) Put the funds in escrow with your bank for the sole purpose of replacing the roof.    3) Close on the property.    4) Install the roof.    5) Get reimbursed for roof expense out of escrow.Most banks are fine with something like this if they know their downside is covered.  

If they don’t, they could be forced to rely on reserve funds or even increase dues to cover the shortfall until the homes are repaired or rebuilt.

Unlike DSCR (Debt Service Coverage Ratio) loans for smaller multifamily (i.e. duplexes, fourplexes, etc.) that allow market rents (not actual rents) to help determine if the property covers the mortgage payment, commercial loans look at what is happening today.

Otherwise, you won't have the extra funds necessary to cover the rising costs of goods and services in the future.What causes rents (and prices) to increase?

I would want my money to be secured by a promissory note and mortgage on the property in question, and thanks to the advice from some on here, if the property in question isn't enough to cover it, I would need to attach a lien to other property to ensure I can get my money back. 

Or the housing costs may just be too high to cover your expenses.

In this case, I would increase the tenant's rent $55 a month to cover the heat costs.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

We were able to get financing through Legacy Homes, the terms are roughly 10 years with a fixed rate of 7.9% for the first 2 years then Walstreet Journals Prime plus roughly 4% (Kinda pricey after two years potentially), 10% down which covers the home, taxes and transport.I have a third home coming in tomorrow and then I will stagger them out. 

There are quite a few posts that do cover this, but my personal method is using AirDNA (paid veersion) analysis and then double check the results using the enemy method.